Personal loans in Jamestown, ND

In Jamestown, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. Jamestown is home to roughly 15,691 people and stands 9th by size out of 355 Census places in North Dakota.

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

Compare loan offers Run the numbers first

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.

The closest larger city is West Fargo, ND about 85 miles away. Jamestown shed about 1.0% of its population between the 2020 base and the 2023 estimate. To lend to Jamestown's 15,691 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. Use the calculator on this page to price an amount and term before you commit in Jamestown.

What the Census records for Jamestown

Set out below is Jamestown's local context next to the state-level rules that reach every lender here.

Before you apply in Jamestown

For Jamestown's roughly 15,691 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across North Dakota; what changes is your credit file, not the fact that Jamestown holds 15,691 people.

Where Jamestown sits in North Dakota

Within North Dakota, Jamestown holds roughly 2.6% of all residents, the 9th-largest share among 355 places. On the 2020-to-2023 trend, Jamestown stands 117th among North Dakota's 355 places — roughly the 67th percentile. Its roughly 1,180 residents per square mile place it 35th among North Dakota's places. The population moved by about 156 people between 2020 and 2023, a 1.0% shift.

Where Jamestown sits

Inside Jamestown's boundaries lie roughly 13.3 square miles of land and 0.06 square miles of water. That land carries about 1,180 people per square mile. The state's population centre of gravity, Fargo, is roughly 88 miles away. Counting outward 50 miles, 0 larger communities surround Jamestown. By land area it ranks 10th of 355 North Dakota places.

What is available to Jamestown borrowers

With about 1,180 residents per square mile, Jamestown is moderately settled, and 0 larger Census places sit within 50 miles. What is available to Jamestown's 15,691 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is West Fargo, ND about 85 miles away.

How North Dakota law applies in Jamestown

Below are the North Dakota rules that apply to a loan made in Jamestown, each with the regulator that issued it.

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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).		North Dakota Legislative Branch
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
Compare personal loan offers Run the numbers first

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