Personal loans in Park River, ND

A lender serving Park River holds a North Dakota licence and answers to a North Dakota regulator; no city office is involved for its 1,385 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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About 1,385 people live in Park River, placing it 36th of 355 Census places in North Dakota. Census figures put the 2020-to-2023 decrease in Park River at about 2.6%. Lenders active in Park River report to a North Dakota supervisor, identified in the sourced rows below. If debt is already a strain, a nonprofit credit counsellor can help Park River residents before they take on more. The nearest larger metro is Grafton, ND about 16 miles away.

Park River by the numbers

Park River is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: 1,385 residents; Park River is the 36th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
Population trend: Roughly 2.6% fewer residents than the 2020 Census counted.
Change in people: the 2020-to-2023 comparison is a loss of about 37 residents.
Size percentile: roughly 90% of North Dakota's places have fewer residents than Park River's 1,385.
Population density: about 535 people per square mile across 2.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Park River ranks 27th among North Dakota's 355 places, at 2.6 sq mi.
State population share: Park River accounts for about 0.2% of everyone in North Dakota.
Nationally: Park River is the 8,996th-largest of 19,457 Census places in the dataset.
Growth in North Dakota: Park River stands 226th by percentage change from 2020 to 2023, among 355 places.
Against the state trend: Park River's 2.6% change compares with a North Dakota average of -1.2% across its 355 places.
Density rank: Park River is the 130th most densely settled place in North Dakota.
Density in context: Park River's 535 people per square mile sit against a North Dakota median of 352.
Location: mapped by the US Census Bureau at 48.3911, -97.7427.
Nearest larger cities: Grafton (16 mi); Langdon (39 mi); Grand Forks (44 mi); East Grand Forks (46 mi); Warren (47 mi). For most borrowers the comparison happens online, not at a branch.
Smaller places nearby: Pisek (6 mi); Edinburg (9 mi); Lankin (10 mi).
Smaller neighbours: 53 places smaller than Park River sit within 50 miles.
At 100 miles: 13 larger Census places fall inside that radius.

A practical checklist for Park River borrowers

Complete these steps first when you borrow in Park River (1,385 residents):

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Price the payment first with our personal loan calculator before any lender quotes you.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the North Dakota regulator's licence list.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.

In Park River as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 1,385 residents.

What is available to Park River borrowers

At roughly 535 people per square mile, Park River is moderately settled; 5 larger places lie within 50 miles. What is available to Park River's 1,385 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Grafton, ND about 16 miles away.

Park River's place among North Dakota's 355 places

Set beside North Dakota's 355 places, Park River ranks 36th by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Park River ranks 226th of 355 in North Dakota (about the 36th percentile). At about 535 people per square mile, Park River is the 130th most densely settled place in North Dakota. By land area, its 2.6 square miles rank 27th of 355 places in North Dakota.

How a Park River personal loan is priced

Park River is a small community of about 1,385 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Park River lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Park River loan is knowable in advance — unlike a revolving card balance.

How North Dakota law applies in Park River

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Park River lender must follow.

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
Payday lending status	Legal 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 licensing	Money 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

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Common questions

What are my options in Park River 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 Park River is the same as anywhere in North Dakota.

What loan size can I expect in Park River?

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 Park River?

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 Park River 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

Pisek, ND — population 87
Edinburg, ND — population 194
Conway, ND — population 14
Hoople, ND — population 244
Fordville, ND — population 202
Lankin, ND — population 103
Crystal, ND — population 111
Inkster, ND — population 37