Personal loans in Hazelton, ND
The first question in Hazelton is not the rate on offer but whether the payment fits; about 219 people live here under North Dakota lending law.
Every figure below is North Dakota's own, applied to Hazelton's 219 residents, with the publisher and retrieval date attached. Hazelton is home to roughly 219 people and stands 150th by size out of 355 Census places in North Dakota. Compare APR, not the interest rate, because the APR folds in most fees on a Hazelton loan. The trend for Hazelton between 2020 and 2023 is downward by roughly 2.2%. For a bigger market, look to Linton, ND about 15 miles away.
Borrowing in Hazelton: the local picture
What follows is Hazelton's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.
- Population: an estimated 219 residents, 150th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
- Size percentile: roughly 58% of North Dakota's places have fewer residents than Hazelton's 219.
- Density: the Census land area of 0.4 sq mi holds about 572 people per square mile.
- Land area: Hazelton covers 0.4 square miles, the 217th-largest area among North Dakota's 355 places.
- Within North Dakota: about 0.0% of the state's population lives in Hazelton.
- National rank: Hazelton is the 16,183rd most populous of the 19,457 Census places covered here.
- Growth rank: Hazelton's 2020-to-2023 change ranks 196th of 355 places in North Dakota.
- Against the state trend: Hazelton's 2.2% change compares with a North Dakota average of -1.2% across its 355 places.
- Density in North Dakota: Hazelton ranks 120th by people per square mile.
- Density vs North Dakota: Hazelton's 572 people per square mile compare with a state median of 352.
- Location: latitude 46.4857, longitude -100.2811 (Census Gazetteer).
- Nearest larger cities: Linton (15 mi); Napoleon (24 mi); Strasburg (25 mi); Lincoln (28 mi); Steele (31 mi). Larger metros often have more branches, but online lenders reach Hazelton on the same terms.
- Smaller places nearby: Braddock (11 mi); Solen (25 mi); Fort Yates (32 mi).
- Within a 50-mile radius: 16 smaller Census places.
- At 100 miles: 52 larger Census places fall inside that radius.
The North Dakota lending rules that reach Hazelton
For the roughly 219 residents of Hazelton, the rules below are North Dakota's own; each row carries its publisher and retrieval date.
| 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 |
Inside a Hazelton personal loan
A Hazelton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 219 residents. Federal Truth in Lending rules require a Hazelton lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Hazelton loan is knowable in advance — unlike a revolving card balance.
Hazelton in state context
Set beside North Dakota's 355 places, Hazelton ranks 150th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 196th of 355 North Dakota places, putting it near the 45th percentile for growth. At about 572 people per square mile, Hazelton is the 120th most densely settled place in North Dakota. Within 50 miles sit 16 smaller Census places, alongside the 10 that are larger.
Hazelton on the map
The Census Gazetteer records about 0.4 square miles of land within Hazelton, with no significant water area listed. Spread across it are roughly 572 residents per square mile. The largest place in North Dakota, Fargo, lies about 166 miles away. Hazelton has 10 larger places within a 50-mile radius. By land area it ranks 217th of 355 North Dakota places.
What to do before borrowing in Hazelton
Complete these steps first when you borrow in Hazelton (219 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- 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.
- Confirm the lender holds a North Dakota licence by checking the regulator named above.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
None of these steps is Hazelton-specific: the same North Dakota licensing and disclosure rules reach all 219 residents.
Common questions
What are my options in Hazelton if my credit is poor?
What loan size can I expect in Hazelton?
Do I have to pledge anything to borrow in Hazelton?
Does comparing loans in Hazelton cost me credit score points?
Nearby places
- Braddock, ND — population 17
- Linton, ND — population 1,045
- Strasburg, ND — population 364
- Lincoln, ND — population 4,426
- Napoleon, ND — population 745
- Steele, ND — population 652
- Solen, ND — population 65
- Fort Yates, ND — population 166