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.

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.

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.

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.

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
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 statusLegal 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):

  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. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. 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.

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 Hazelton 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 Hazelton is the same as anywhere in North Dakota.
What loan size can I expect in Hazelton?
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 Hazelton?
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 Hazelton 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

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