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.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorNorth 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:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the North Dakota regulator's licence list.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hatton 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 Hatton is the same as anywhere in North Dakota.
What loan size can I expect in Hatton?
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 Hatton?
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 Hatton 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.

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