Personal loans in Manvel, ND

By population, Manvel sits at 109th in North Dakota, with an estimated 369 residents. For a borrower among the roughly 369 residents of Manvel, a personal loan is a tool whose cost turns on the terms, not the address.

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.

A 2020-to-2023 comparison shows Manvel down by about 1.9%. Rate-shopping from Manvel costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Rate ceilings, licensing requirements and product limits for Manvel are all set at the North Dakota level. The closest larger city is Grand Forks, ND about 11 miles away.

Manvel by the numbers

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

North Dakota consumer-lending rules applied in Manvel

For the roughly 369 residents of Manvel, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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

Where Manvel sits in North Dakota

Manvel is the 109th-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, Manvel ranks 177th of 355 in North Dakota (about the 50th percentile). Its roughly 1,290 residents per square mile place it 25th among North Dakota's places. The population moved by about 7 people between 2020 and 2023, a 1.9% shift.

A pre-application checklist for Manvel

Before you hand your details to a lender in Manvel, where the population is near 369:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Manvel as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 369 residents.

Borrowing reach in Manvel

Manvel is moderately settled, with about 1,290 people per square mile and 25 larger places within 50 miles. A North Dakota licence lets a lender serve Manvel without a local office, so branch density does not change what its 369 residents are offered. The nearest bigger place is Grand Forks, ND about 11 miles away.

Manvel on the map

The Census Gazetteer records about 0.3 square miles of land within Manvel, with no significant water area listed. With 369 residents, the land area yields roughly 1,290 people per square mile. The largest place in North Dakota, Fargo, lies about 85 miles away. Counting outward 50 miles, 25 larger communities surround Manvel. By land area it ranks 268th of 355 North Dakota 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 Manvel 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 Manvel is the same as anywhere in North Dakota.
What loan size can I expect in Manvel?
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 Manvel?
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 Manvel 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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