Personal loans in Leith, ND

A lender that serves Leith operates under North Dakota lending statutes and a North Dakota supervisor. Personal loans in Leith are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 26 population.

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.

By population, Leith sits at 316th in North Dakota, with an estimated 26 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 3.7%. Price two or three terms so you can see which payment is truly affordable in Leith. The nearest larger metro is Carson, ND about 5 miles away.

What the Census records for Leith

Here is the sourced Census picture for Leith, plus the North Dakota lending rules that apply to a loan taken out here.

Which North Dakota laws govern a loan in Leith

These are North Dakota's sourced lending facts as they reach Leith's 26 residents; the state has no city-level rate rule.

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

What to do before borrowing in Leith

For Leith's roughly 26 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  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. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Leith-specific: the same North Dakota licensing and disclosure rules reach all 26 residents.

Where Leith sits in North Dakota

Set beside North Dakota's 355 places, Leith ranks 316th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Leith ranks 290th of 355 in North Dakota (about the 18th percentile). Its roughly 21 residents per square mile place it 345th among North Dakota's places. Between 2020 and 2023 the count changed by roughly 1 residents.

What a Leith borrower is actually offered

In Leith, a small community of about 26, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Leith lender to disclose the APR and finance charge before you sign. Shortening the term on a Leith loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Leith

At roughly 21 people per square mile, Leith is sparsely settled; 17 larger places lie within 50 miles. Lenders licensed in North Dakota reach Leith's 26 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Carson, ND about 5 miles away.

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