Personal loans in Haynes, ND

If you are weighing a personal loan in Haynes, start from the payment you can carry; its 15 residents face the same statewide rules. Compare APR, not the interest rate, because the APR folds in most fees on a Haynes loan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Haynes's 15 residents. The closest larger place is Hettinger, ND about 8 miles away.

Borrowing in Haynes: the local picture

What follows is Haynes's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

• Population: an estimated 15 residents, 339th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
• Size percentile: about 5% of North Dakota communities are smaller than Haynes (15 residents).
• Density: the Census land area of 0.1 sq mi holds about 111 people per square mile.
• Land area: Haynes covers 0.1 square miles, the 337th-largest area among North Dakota's 355 places.
• State share: roughly 0.0% of North Dakota's residents live in Haynes (15 people).
• National rank: Haynes is 19,391st of 19,457 places nationwide.
• Growth rank: Haynes ranks 76th among North Dakota's 355 places for the 2020-to-2023 change.
• Against the state trend: Haynes's 0.0% change compares with a North Dakota average of -1.2% across its 355 places.
• Density rank: Haynes is the 288th most densely settled place in North Dakota.
• Density in context: Haynes's 111 people per square mile sit against a North Dakota median of 352.
• Location: 45.9739 / -102.4710, per the US Census Bureau Gazetteer.
• Nearest larger cities: Hettinger (8 mi); Lemmon (15 mi); Reeder (24 mi); Mott (29 mi); Gascoyne (31 mi). A branch is convenient; it is not what sets your APR.
• Smaller places within 50 miles: 0 of them.
• Within 100 miles: 58 places are larger than Haynes.

How North Dakota law applies in Haynes

North Dakota has no separate rate rule for Haynes; the sourced rows below are what reach every lender that serves its 15 people.

How Haynes compares across North Dakota

Among North Dakota's 355 places, Haynes sits at 339th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 76th of 355 North Dakota places, putting it near the 79th percentile for growth. At about 111 people per square mile, Haynes is the 288th most densely settled place in North Dakota. Within 50 miles sit 0 smaller Census places, alongside the 14 that are larger.

How lenders reach Haynes

With about 111 residents per square mile, Haynes is lightly settled, and 14 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve Haynes without a local office, so branch density does not change what its 15 residents are offered. The nearest bigger place is Hettinger, ND about 8 miles away.

Steps to take before a Haynes loan

Before you hand your details to a lender in Haynes, where the population is near 15:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's North Dakota licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Haynes-specific: the same North Dakota licensing and disclosure rules reach all 15 residents.

Haynes on the map

Haynes's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 111 residents per square mile. The state's population centre of gravity, Fargo, is roughly 276 miles away. Within 50 miles of Haynes there are 14 larger Census places. The 100-mile radius contains 58 larger places.