Personal loans in Mott, ND

About 637 people live in Mott, placing it 80th of 355 Census places in North Dakota. Mott lost roughly 2.7% of its population across the 2020-to-2023 comparison.

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.

Mott is a small community of about 637 residents, and a personal loan taken out here is governed by North Dakota statute. State law, not city hall, decides what a lender may do to Mott's roughly 637 residents, and a state regulator supervises it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Mott loan. The nearest larger city is New England, ND about 29 miles away.

What the Census records for Mott

Two layers matter for a Mott borrower: the local population picture and North Dakota's consumer-lending statutes.

The North Dakota lending rules that reach Mott

The rows below set out what a licensed lender must follow in North Dakota, and so for Mott's roughly 637 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
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
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

How personal loans work in Mott

Most loans made to Mott's 637 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Mott can be quoted different APRs on the same amount and term. The term you choose in Mott decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Mott

Mott's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 693 people per square mile. The largest place in North Dakota, Fargo, lies about 263 miles away. Counting outward 50 miles, 7 larger communities surround Mott. The 100-mile radius contains 23 larger places.

How Mott compares across North Dakota

Against North Dakota's other places, Mott accounts for about 0.1% of the state's population and ranks 80th of 355 by size. For population change between 2020 and 2023, Mott ranks 239th of 355 in North Dakota (about the 33th percentile). By density, at about 693 people per square mile, it ranks 92nd in North Dakota. The population moved by about 18 people between 2020 and 2023, a 2.7% shift.

Before you apply in Mott

For Mott's roughly 637 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the North Dakota licence with the regulator named above before committing.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Mott as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 637 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 Mott 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 Mott is the same as anywhere in North Dakota.
What loan size can I expect in Mott?
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 Mott?
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 Mott 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

Related