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Personal loans in Mantador, ND

A lender serving Mantador holds a North Dakota licence and answers to a North Dakota regulator; no city office is involved for its 68 residents. By population, Mantador sits at 253rd in North Dakota, with an estimated 68 residents. The nearest larger metro is Hankinson, ND about 8 miles away. A 2020-to-2023 comparison shows Mantador down by about 1.4%. For the 68 people in Mantador, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Mantador's 68 residents.

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.

Mantador: population, trend and location

Mantador is a small community; the notes below cover its population profile and the statewide rules that apply.

Lender access in Mantador

Mantador is lightly settled, with about 496 people per square mile and 55 larger places within 50 miles. Whether Mantador has a local branch or not, a North Dakota-licensed lender can serve its 68 people online on the same terms. The nearest larger city, Hankinson, ND about 8 miles away.

What a Mantador borrower is actually offered

Mantador is a small community of about 68 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Mantador's 68 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Mantador decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Mantador

The rows below set out what a licensed lender must follow in North Dakota, and so for Mantador's roughly 68 residents.

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

Mantador: area, density and distance

Inside Mantador's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 496 residents per square mile. The state's population centre of gravity, Fargo, is roughly 49 miles away. A 50-mile radius around Mantador takes in 55 places that are larger. The 100-mile radius contains 217 larger places.

Mantador's place among North Dakota's 355 places

Set beside North Dakota's 355 places, Mantador ranks 253rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 144th of 355 North Dakota places, putting it near the 59th percentile for growth. At about 496 people per square mile, Mantador is the 139th most densely settled place in North Dakota. Between 2020 and 2023 the count changed by roughly 1 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 Mantador 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 Mantador is the same as anywhere in North Dakota.
What loan size can I expect in Mantador?
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 Mantador?
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 Mantador 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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