Personal loans in Mapleton, ND

For the 1,435 people in Mapleton, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

Mapleton is home to roughly 1,435 people and stands 33rd by size out of 355 Census places in North Dakota. Mapleton, North Dakota — home to about 1,435 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule. Population in Mapleton climbed about 8.7% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Mapleton's 1,435 residents. Borrowers who want a bigger city can look to West Fargo, ND about 7 miles away.

Mapleton by the numbers

What follows is Mapleton's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

How North Dakota law applies in Mapleton

For the roughly 1,435 residents of Mapleton, 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
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
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

What is available to Mapleton borrowers

At roughly 367 people per square mile, Mapleton is lightly settled; 15 larger places lie within 50 miles. Lenders licensed in North Dakota reach Mapleton's 1,435 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is West Fargo, ND about 7 miles away.

Mapleton against the rest of North Dakota

Among North Dakota's 355 places, Mapleton sits at 33rd for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, Mapleton ranks 9th of 355 in North Dakota (about the 97th percentile). At about 367 people per square mile, Mapleton is the 174th most densely settled place in North Dakota. Between 2020 and 2023 the count changed by roughly 115 residents.

How personal loans work in Mapleton

Most loans made to Mapleton's 1,435 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 Mapleton. Shortening the term on a Mapleton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Mapleton: area, density and distance

Mapleton covers about 3.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 367 residents per square mile. The state's population centre of gravity, Fargo, is roughly 11 miles away. A 50-mile radius around Mapleton takes in 15 places that are larger. The 100-mile radius contains 29 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 Mapleton 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 Mapleton is the same as anywhere in North Dakota.
What loan size can I expect in Mapleton?
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 Mapleton?
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 Mapleton 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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