Personal loans in Killdeer, ND

The Census counts 908 people in Killdeer, the 59th-largest figure among North Dakota's 355 places. In Killdeer, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate.

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.

Population in Killdeer dropped about 3.1% over the three years from 2020 to 2023. Price two or three terms so you can see which payment is truly affordable in Killdeer. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Killdeer as from the rest of the state. The closest larger city is Dickinson, ND about 33 miles away.

Borrowing in Killdeer: the local picture

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

Where Killdeer sits

Killdeer's land area is roughly 1.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 491 people per square mile. Fargo, the largest place in North Dakota, is about 280 miles from Killdeer. Killdeer has 5 larger places within a 50-mile radius. The 100-mile radius contains 23 larger places.

Borrowing reach in Killdeer

With about 491 residents per square mile, Killdeer is lightly settled, and 5 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve Killdeer without a local office, so branch density does not change what its 908 residents are offered. The nearest bigger place is Dickinson, ND about 33 miles away.

The North Dakota lending rules that reach Killdeer

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Killdeer is bound by the same rules.

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

Killdeer against the rest of North Dakota

Killdeer is the 59th-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. For population change between 2020 and 2023, Killdeer ranks 258th of 355 in North Dakota (about the 27th percentile). At about 491 people per square mile, Killdeer is the 141st most densely settled place in North Dakota. By land area, its 1.8 square miles rank 47th of 355 places in North Dakota.

Steps to take before a Killdeer loan

These steps shape the offer you get in Killdeer, a place of about 908 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the North Dakota regulator's licence records before you sign.
  5. Decide the purpose and how you will repay it before approaching any lender.
  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.

In Killdeer as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 908 residents.

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