Personal loans in LaMoure, ND

The first question in LaMoure is not the rate on offer but whether the payment fits; about 760 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.

LaMoure is home to roughly 760 people and stands 68th by size out of 355 Census places in North Dakota. The closest larger city is Oakes, ND about 18 miles away. A 2020-to-2023 comparison shows LaMoure down by about 0.1%. Which products a lender may offer to LaMoure's 760 residents follows from the North Dakota consumer-lending framework. Verify the lender's North Dakota licence against the regulator named below before borrowing in LaMoure.

The LaMoure data picture

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Which North Dakota laws govern a loan in LaMoure

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a LaMoure lender must follow.

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
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
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

Getting a loan in LaMoure

With about 566 residents per square mile, LaMoure is moderately settled, and 8 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve LaMoure without a local office, so branch density does not change what its 760 residents are offered. The nearest larger city, Oakes, ND about 18 miles away.

Inside a LaMoure personal loan

Most loans made to LaMoure's 760 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in LaMoure. A longer term lowers the monthly payment on a LaMoure loan but raises total interest, so the smallest payment is not the cheapest loan.

LaMoure in state context

Among North Dakota's 355 places, LaMoure sits at 68th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, LaMoure ranks 91st of 355 in North Dakota (about the 74th percentile). At about 566 people per square mile, LaMoure is the 121st most densely settled place in North Dakota. Within 50 miles sit 36 smaller Census places, alongside the 8 that are larger.

The geography behind LaMoure

LaMoure's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. With 760 residents, the land area yields roughly 566 people per square mile. Fargo, the largest place in North Dakota, is about 78 miles from LaMoure. Within 50 miles of LaMoure there are 8 larger Census places. The 100-mile radius contains 38 larger places.

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