Personal loans in Plaza, ND

For a borrower among the roughly 204 residents of Plaza, a personal loan is a tool whose cost turns on the terms, not the address. Population in Plaza dropped about 4.2% over the three years from 2020 to 2023.

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

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With an estimated 204 residents, Plaza is the 156th-largest of 355 places in North Dakota. Work out your debt-to-income ratio first; lenders weigh it heavily, and Plaza's 204 residents are no exception. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Plaza as from the rest of the state. The nearest larger metro is Parshall, ND about 9 miles away.

What the Census records for Plaza

Here is the sourced Census picture for Plaza, plus the North Dakota lending rules that apply to a loan taken out here.

Population: the Census counts 204 residents in Plaza (Vintage 2023 subcounty estimate), the 156th-largest figure among North Dakota's 355 places.
Population trend: A loss of roughly 4.2% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 9 residents.
Size percentile: bigger than about 56% of the places in North Dakota, with 204 residents in Plaza.
Population density: about 189 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Plaza ranks 94th among North Dakota's 355 places, at 1.1 sq mi.
Water area rank: Plaza ranks 55th among North Dakota's 355 places, with 0.01 sq mi.
Share of North Dakota: Plaza holds about 0.0% of the state's population, some 204 people.
Nationally: Plaza is the 16,424th-largest of 19,457 Census places in the dataset.
Growth rank: Plaza's 2020-to-2023 change ranks 306th of 355 places in North Dakota.
Versus North Dakota: the state average change is -1.2%, while Plaza moved 4.2%.
Density in North Dakota: Plaza ranks 254th by people per square mile.
Density vs North Dakota: Plaza's 189 people per square mile compare with a state median of 352.
Location: 48.0263 / -101.9587, per the US Census Bureau Gazetteer.
Nearest larger cities: Parshall (9 mi); Berthold (22 mi); New Town (25 mi); Stanley (28 mi); Burlington (30 mi). Lenders licensed in the state serve Plaza whether or not they keep a local branch.
Smaller communities close by: Makoti (8 mi); Ryder (15 mi); Douglas (24 mi), each with its own Census population profile.
Smaller places within 50 miles: 16 of them.
Within 100 miles: 58 places are larger than Plaza.

Plaza against the rest of North Dakota

Against North Dakota's other places, Plaza accounts for about 0.0% of the state's population and ranks 156th of 355 by size. Its 2020-to-2023 change ranks 306th of 355 North Dakota places, putting it near the 14th percentile for growth. At about 189 people per square mile, Plaza is the 254th most densely settled place in North Dakota. Between 2020 and 2023 the count changed by roughly 9 residents.

North Dakota consumer-lending rules applied in Plaza

These are North Dakota's sourced lending facts as they reach Plaza's 204 residents; the state has no city-level rate rule.

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
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
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

What a Plaza borrower is actually offered

Plaza is a small community of about 204 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Plaza's 204 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Plaza loan is knowable in advance — unlike a revolving card balance.

A practical checklist for Plaza borrowers

Before you hand your details to a lender in Plaza, where the population is near 204:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Look the lender up in the North Dakota regulator's licence records before you sign.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.
Be clear on what the loan is for and how it gets repaid.

The process is identical across North Dakota; what changes is your credit file, not the fact that Plaza holds 204 people.

What is available to Plaza borrowers

With about 189 residents per square mile, Plaza is lightly settled, and 17 larger Census places sit within 50 miles. What is available to Plaza's 204 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Parshall, ND about 9 miles away.

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Common questions

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

What loan size can I expect in Plaza?

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 Plaza?

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 Plaza 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

Makoti, ND — population 145
Parshall, ND — population 898
Ryder, ND — population 103
Berthold, ND — population 467
Palermo, ND — population 122
Des Lacs, ND — population 183
Carpio, ND — population 138
Donnybrook, ND — population 73