Personal loans in Maddock, ND

Maddock counts about 384 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing. The Census estimates 384 residents in Maddock, which ranks it 104th of 355 places in North Dakota.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Maddock loan. Population in Maddock dropped about 4.0% over the three years from 2020 to 2023. Every figure below is North Dakota's own, applied to Maddock's 384 residents, with the publisher and retrieval date attached. The nearest larger city is Fessenden, ND about 22 miles away.

What the Census records for Maddock

Set out below is Maddock's local context next to the state-level rules that reach every lender here.

A pre-application checklist for Maddock

Before you hand your details to a lender in Maddock, where the population is near 384:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the North Dakota regulator's records to confirm the lender is licensed here.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Maddock and the rest of North Dakota is not the process but the borrower's own file, among the 384 people here.

Maddock in state context

Against North Dakota's other places, Maddock accounts for about 0.1% of the state's population and ranks 104th of 355 by size. Its 2020-to-2023 change ranks 300th of 355 North Dakota places, putting it near the 15th percentile for growth. At about 435 people per square mile, Maddock is the 153rd most densely settled place in North Dakota. In land area, Maddock ranks 129th among North Dakota's 355 places.

The North Dakota lending rules that reach Maddock

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Maddock 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
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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).		North Dakota Legislative Branch
as of 2026-09-16

How lenders reach Maddock

Maddock is a lightly settled community of about 384 people, with 9 larger places inside a 50-mile radius. Whether Maddock has a local branch or not, a North Dakota-licensed lender can serve its 384 people online on the same terms. For a larger market, the closest option is Fessenden, ND about 22 miles away.

Where Maddock sits

The Census Gazetteer records about 0.9 square miles of land within Maddock, with no significant water area listed. The resulting density is about 435 people per square mile. Fargo, the largest place in North Dakota, is about 147 miles from Maddock. Maddock has 9 larger places within a 50-mile radius. The 100-mile radius contains 36 larger places.

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