Personal loans in Hatton, ND
For a borrower among the roughly 702 residents of Hatton, a personal loan is a tool whose cost turns on the terms, not the address. Roughly 702 residents live in Hatton, the 74th-largest community in North Dakota.
Decide the purpose of the loan and your repayment plan before sharing any details with a Hatton lender. From the 2020 Census base to the 2023 estimate, the population declined by about 2.1%. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Hatton as from the rest of the state. A larger market lies at Northwood, ND about 8 miles away.
Hatton: the sourced local profile
The figures below are Hatton's own — Census population, land area and coordinates — followed by the North Dakota rules.
- Population: 702 residents; Hatton is the 74th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: About 2.1% below the 2020 Census base.
- People gained or lost: about 15 fewer since the 2020 base.
- Size percentile: roughly 79% of North Dakota places rank below Hatton.
- Land and density: 0.6 square miles of land carry roughly 1,258 residents per square mile.
- By land area: Hatton ranks 178th among North Dakota's 355 places, at 0.6 sq mi.
- State share: roughly 0.1% of North Dakota's residents live in Hatton (702 people).
- National rank: Hatton is the 11,790th most populous of the 19,457 Census places covered here.
- Growth rank: Hatton's 2020-to-2023 change ranks 185th of 355 places in North Dakota.
- Against the state trend: Hatton's 2.1% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Hatton places 28th among North Dakota's places by people per square mile.
- Against the state median: Hatton runs about 1,258 residents per square mile, where the North Dakota median is 352.
- Location: the Census Gazetteer records it at 47.6370, -97.4583.
- Nearest larger cities: Northwood (8 mi); Mayville (11 mi); Thompson (19 mi); Larimore (20 mi); Hillsboro (25 mi). Living near a larger metro rarely changes what is available in Hatton.
- Nearest smaller towns: Portland (10 mi); Reynolds (17 mi); Buxton (17 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 52 smaller Census places.
- Larger places within 100 miles: 51.
Land, water and location for Hatton
Inside Hatton's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 1,258 people per square mile. The state's population centre of gravity, Fargo, is roughly 61 miles away. Counting outward 50 miles, 10 larger communities surround Hatton. Within the same 50 miles lie 52 smaller Census places.
North Dakota consumer-lending rules applied in Hatton
These are North Dakota's sourced lending facts as they reach Hatton's 702 residents; the state has no city-level rate rule.
| 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 |
| Usury penalties (state-specific rule) | Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor. Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11). | North Dakota Legislative Branch 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 |
A pre-application checklist for Hatton
These steps shape the offer you get in Hatton, a place of about 702 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the North Dakota regulator's licence list.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
What differs between Hatton and the rest of North Dakota is not the process but the borrower's own file, among the 702 people here.
Lender access in Hatton
With about 1,258 residents per square mile, Hatton is moderately settled, and 10 larger Census places sit within 50 miles. Lenders licensed in North Dakota reach Hatton's 702 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Northwood, ND about 8 miles away.
How Hatton compares across North Dakota
Hatton is the 74th-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Hatton stands 185th among North Dakota's 355 places — roughly the 48th percentile. By density, at about 1,258 people per square mile, it ranks 28th in North Dakota. The population moved by about 15 people between 2020 and 2023, a 2.1% shift.
Common questions
What are my options in Hatton if my credit is poor?
What loan size can I expect in Hatton?
Do I have to pledge anything to borrow in Hatton?
Does comparing loans in Hatton cost me credit score points?
Nearby places
- Northwood, ND — population 950
- Portland, ND — population 577
- Mayville, ND — population 1,805
- Clifford, ND — population 29
- Emerado, ND — population 441
- Larimore, ND — population 1,224
- Reynolds, ND — population 268
- Buxton, ND — population 349