Personal loans in Kenmare, ND
Kenmare is a small community in North Dakota, with an estimated 914 residents, and every licensed lender here follows the same state rulebook. With an estimated 914 residents, Kenmare is the 58th-largest of 355 places in North Dakota.
The 2020 count to the 2023 estimate shows about 4.4% decline in Kenmare. Price two or three terms so you can see which payment is truly affordable in Kenmare. Borrowers who want a bigger city can look to Stanley, ND about 29 miles away. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Kenmare as from the rest of the state.
Local context for Kenmare
Two layers matter for a Kenmare borrower: the local population picture and North Dakota's consumer-lending statutes.
- Population: about 914, ranked 58th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 4.4% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 42 residents.
- Size percentile: roughly 84% of North Dakota places rank below Kenmare.
- Density: the Census land area of 1.3 sq mi holds about 682 people per square mile.
- Land area rank: Kenmare's 1.3 square miles rank 80th of 355 places in North Dakota.
- Share of North Dakota: Kenmare holds about 0.1% of the state's population, some 914 people.
- Nationally: Kenmare is the 10,629th-largest of 19,457 Census places in the dataset.
- Growth rank: Kenmare's 2020-to-2023 change ranks 315th of 355 places in North Dakota.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Kenmare's 4.4%.
- Density rank: Kenmare places 97th among North Dakota's places by people per square mile.
- Density vs North Dakota: Kenmare's 682 people per square mile compare with a state median of 352.
- Location: the Census Gazetteer records it at 48.6728, -102.0720.
- Nearest larger cities: Stanley (29 mi); Burlington (42 mi); Tioga (44 mi); Minot (47 mi); New Town (51 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Tolley (12 mi); Bowbells (12 mi); Donnybrook (14 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 25 of them.
- Within 100 miles: 15 places are larger than Kenmare.
Getting a loan in Kenmare
With about 682 residents per square mile, Kenmare is moderately settled, and 4 larger Census places sit within 50 miles. Whether Kenmare has a local branch or not, a North Dakota-licensed lender can serve its 914 people online on the same terms. The nearest bigger place is Stanley, ND about 29 miles away.
Kenmare in state context
Kenmare is the 58th-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 315th of 355 North Dakota places, putting it near the 11th percentile for growth. At about 682 people per square mile, Kenmare is the 97th most densely settled place in North Dakota. By land area, its 1.3 square miles rank 80th of 355 places in North Dakota.
Kenmare on the map
Kenmare's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. With 914 residents, the land area yields roughly 682 people per square mile. For the state's biggest city, Fargo, the distance is roughly 274 miles. Kenmare has 4 larger places within a 50-mile radius. By land area it ranks 80th of 355 North Dakota places.
The North Dakota lending rules that reach Kenmare
For the roughly 914 residents of Kenmare, 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 Kenmare personal loan
In Kenmare, a small community of about 914, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Kenmare loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Kenmare decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Bowbells, ND — population 285
- Donnybrook, ND — population 73
- Tolley, ND — population 42
- Palermo, ND — population 122
- Flaxton, ND — population 61
- Carpio, ND — population 138
- Berthold, ND — population 467
- Stanley, ND — population 2,184