Personal loans in Harvey, ND

Harvey is a small community in North Dakota, with an estimated 1,600 residents, and every licensed lender here follows the same state rulebook. Roughly 1,600 residents live in Harvey, the 31st-largest community in North Dakota.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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The closest larger place is Rugby, ND about 41 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 2.9%. Rate ceilings, licensing requirements and product limits for Harvey are all set at the North Dakota level. Use the calculator on this page to price an amount and term before you commit in Harvey.

The Harvey data picture

The figures below are Harvey's own — Census population, land area and coordinates — followed by the North Dakota rules.

Population: 1,600 people, a figure that places Harvey 31st among the 355 Census places in North Dakota (US Census Bureau, Vintage 2023).
Population trend: A drop of about 2.9% from 2020 to 2023.
Net change: roughly 48 fewer people than the 2020 Census counted.
Size percentile: about 91% of North Dakota communities are smaller than Harvey (1,600 residents).
Land and density: 1.8 square miles of land carry roughly 891 residents per square mile.
Land area rank: Harvey's 1.8 square miles rank 48th of 355 places in North Dakota.
Share of North Dakota: Harvey holds about 0.3% of the state's population, some 1,600 people.
National rank: Harvey sits 8,471st by population among the 19,457 places in this dataset.
Growth in North Dakota: Harvey stands 247th by percentage change from 2020 to 2023, among 355 places.
State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Harvey's 2.9%.
Density in North Dakota: Harvey ranks 65th by people per square mile.
Against the state median: Harvey runs about 891 residents per square mile, where the North Dakota median is 352.
Location: coordinates 47.7782, -99.9307 (US Census Bureau Gazetteer).
Nearest larger cities: Rugby (41 mi); Carrington (44 mi); Devils Lake (54 mi); Minot (70 mi); Bottineau (76 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller places: Martin (9 mi); Anamoose (16 mi); Fessenden (17 mi).
Smaller neighbours: 36 places smaller than Harvey sit within 50 miles.
Larger places within 100 miles: 12.

How Harvey compares across North Dakota

Against North Dakota's other places, Harvey accounts for about 0.3% of the state's population and ranks 31st of 355 by size. Its 2020-to-2023 change ranks 247th of 355 North Dakota places, putting it near the 30th percentile for growth. Its roughly 891 residents per square mile place it 65th among North Dakota's places. The population moved by about 48 people between 2020 and 2023, a 2.9% shift.

The North Dakota lending rules that reach Harvey

North Dakota has no separate rate rule for Harvey; the sourced rows below are what reach every lender that serves its 1,600 people.

Rule	Detail	Source
State lending regulator	North Dakota Department of Financial Institutions (NDDFI) Source says: "The Department also licenses and regulates Money Brokers... Deferred Presentment Service Providers (Payday Lenders), Collection Agencies, Debt Settlement Service Providers, and Money Transmitters."	North Dakota Department of Financial Institutions as of 2026-09-16
Maximum legal interest rate (usury cap)	Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%. Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).	North Dakota Department of Financial Institutions as of 2026-09-16
Payday lending status	Legal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer. Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3).	North Dakota Legislative Branch as of 2026-09-16

A practical checklist for Harvey borrowers

Before you apply in Harvey, a community of about 1,600, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Check the North Dakota regulator's records to confirm the lender is licensed here.
Make sure the new payment leaves room in a budget you already keep.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Harvey and the rest of North Dakota is not the process but the borrower's own file, among the 1,600 people here.

Getting a loan in Harvey

Harvey is moderately settled, with about 891 people per square mile and 2 larger places within 50 miles. Lenders licensed in North Dakota reach Harvey's 1,600 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Rugby, ND about 41 miles away.

The anatomy of a Harvey personal loan

In Harvey, a small community of about 1,600, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Harvey lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Harvey loan but raises total interest, so the smallest payment is not the cheapest loan.

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Common questions

What are my options in Harvey if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Harvey is the same as anywhere in North Dakota.

What loan size can I expect in Harvey?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Harvey?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Harvey cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Martin, ND — population 61
Esmond, ND — population 88
Anamoose, ND — population 217
Fessenden, ND — population 452
Hurdsfield, ND — population 60
Goodrich, ND — population 110
Bowdon, ND — population 139
Balta, ND — population 60