Personal loans in Perth, ND

For a borrower among the roughly 5 residents of Perth, a personal loan is a tool whose cost turns on the terms, not the address. The Census counts 5 people in Perth, the 354th-largest figure among North Dakota's 355 places.

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.

The closest larger place is Bisbee, ND about 7 miles away. Perth's population held flat through the 2020-to-2023 comparison. A lender that serves Perth operates under North Dakota lending statutes and a North Dakota supervisor. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Perth loan.

Local context for Perth

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

Perth's place among North Dakota's 355 places

Among North Dakota's 355 places, Perth sits at 354th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 88th of 355 North Dakota places, putting it near the 75th percentile for growth. At about 39 people per square mile, Perth is the 331st most densely settled place in North Dakota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

What North Dakota law requires in Perth

The rows below set out what a licensed lender must follow in North Dakota, and so for Perth's roughly 5 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

A practical checklist for Perth borrowers

Complete these steps first when you borrow in Perth (5 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Perth as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 5 residents.

Land, water and location for Perth

Inside Perth's boundaries lie about 0.1 square miles of land, with no significant water area recorded. That land carries about 39 people per square mile. The state's population centre of gravity, Fargo, is roughly 177 miles away. Perth has 34 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

What is available to Perth borrowers

Perth is sparsely settled, with about 39 people per square mile and 34 larger places within 50 miles. Lenders licensed in North Dakota reach Perth's 5 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Bisbee, ND about 7 miles away.

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