Personal loans in Max, ND

Max is a small community of about 323 residents, and a personal loan taken out here is governed by North Dakota statute. The Census counts 323 people in Max, the 118th-largest figure among North Dakota's 355 places.

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 Max down by about 1.8%. Decide the purpose of the loan and your repayment plan before sharing any details with a Max lender. A larger market lies at Garrison, ND about 13 miles away. State law, not city hall, decides what a lender may do to Max's roughly 323 residents, and a state regulator supervises it.

Max by the numbers

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Which North Dakota laws govern a loan in Max

North Dakota has no separate rate rule for Max; the sourced rows below are what reach every lender that serves its 323 people.

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 shapes a Max personal loan

Most loans made to Max's 323 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Max can be quoted different APRs on the same amount and term. Shortening the term on a Max loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Max borrowers

At roughly 415 people per square mile, Max is lightly settled; 15 larger places lie within 50 miles. A North Dakota licence lets a lender serve Max without a local office, so branch density does not change what its 323 residents are offered. For a larger market, the closest option is Garrison, ND about 13 miles away.

Land, water and location for Max

Max covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 415 people per square mile. The largest place in North Dakota, Fargo, lies about 219 miles away. A 50-mile radius around Max takes in 15 places that are larger. By land area it ranks 142nd of 355 North Dakota places.

Where Max sits in North Dakota

Among North Dakota's 355 places, Max sits at 118th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Max ranks 172nd of 355 in North Dakota (about the 52th percentile). By density, at about 415 people per square mile, it ranks 159th in North Dakota. Within 50 miles sit 25 smaller Census places, alongside the 15 that are larger.

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