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.
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.
- Population: the Census counts 323 residents in Max (Vintage 2023 subcounty estimate), the 118th-largest figure among North Dakota's 355 places.
- Population trend: Lower by roughly 1.8% since the 2020 count.
- Net change: roughly 6 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 67% of the places in North Dakota, with 323 residents in Max.
- Density: the Census land area of 0.8 sq mi holds about 415 people per square mile.
- Land area rank: Max's 0.8 square miles rank 142nd of 355 places in North Dakota.
- Share of state population: Max's 323 residents are about 0.1% of North Dakota.
- National standing: Max ranks 14,859th of 19,457 US places.
- Growth in North Dakota: Max stands 172nd by percentage change from 2020 to 2023, among 355 places.
- Versus North Dakota: the state average change is -1.2%, while Max moved 1.8%.
- Density rank: Max places 159th among North Dakota's places by people per square mile.
- Density vs North Dakota: Max's 415 people per square mile compare with a state median of 352.
- Location: 47.8204, -101.2911 (US Census Bureau Gazetteer).
- Nearest larger cities: Garrison (13 mi); Velva (23 mi); Underwood (26 mi); Turtle Lake (28 mi); Minot (29 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Benedict (10 mi); Douglas (10 mi); Ruso (17 mi).
- Smaller places within 50 miles: 25 of them.
- At 100 miles: 44 larger Census places fall inside that radius.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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.
Common questions
What are my options in Max if my credit is poor?
What loan size can I expect in Max?
Do I have to pledge anything to borrow in Max?
Does comparing loans in Max cost me credit score points?
Nearby places
- Benedict, ND — population 66
- Garrison, ND — population 1,464
- Douglas, ND — population 89
- Coleharbor, ND — population 65
- Riverdale, ND — population 223
- Pick City, ND — population 128
- Ruso, ND — population 5
- Sawyer, ND — population 307