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.

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.

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.

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.

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 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.

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