Personal loans in Napoleon, ND

An estimated 745 people make their home in Napoleon, a figure that ranks 69th in North Dakota. Napoleon counts about 745 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. Use the calculator on this page to price an amount and term before you commit in Napoleon. Every figure below is North Dakota's own, applied to Napoleon's 745 residents, with the publisher and retrieval date attached. The closest larger city is Wishek, ND about 20 miles away.

The Napoleon data picture

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

Napoleon: area, density and distance

Napoleon covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 539 residents per square mile. The state's population centre of gravity, Fargo, is roughly 142 miles away. Counting outward 50 miles, 3 larger communities surround Napoleon. Within the same 50 miles lie 26 smaller Census places.

How North Dakota law applies in Napoleon

Below are the North Dakota rules that apply to a loan made in Napoleon, each with the regulator that issued it.

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 lenders reach Napoleon

Napoleon is a moderately settled community of about 745 people, with 3 larger places inside a 50-mile radius. A North Dakota licence lets a lender serve Napoleon without a local office, so branch density does not change what its 745 residents are offered. For a larger market, the closest option is Wishek, ND about 20 miles away.

How Napoleon compares across North Dakota

Within North Dakota, Napoleon holds roughly 0.1% of all residents, the 69th-largest share among 355 places. Its 2020-to-2023 change ranks 115th of 355 North Dakota places, putting it near the 68th percentile for growth. Its roughly 539 residents per square mile place it 129th among North Dakota's places. The population moved by about 7 people between 2020 and 2023, a 0.9% shift.

A pre-application checklist for Napoleon

Before you hand your details to a lender in Napoleon, where the population is near 745:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's North Dakota licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across North Dakota; what changes is your credit file, not the fact that Napoleon holds 745 people.

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