Personal loans in Reile's Acres, ND

Reile's Acres is home to roughly 841 people and stands 63rd by size out of 355 Census places in North Dakota. The 2020 count to the 2023 estimate shows about 19.5% growth in Reile's Acres.

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.

In Reile's Acres, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. For the 841 people in Reile's Acres, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Reile's Acres residents before they take on more. The nearest larger city is Fargo, ND about 5 miles away.

Borrowing in Reile's Acres: the local picture

Set out below is Reile's Acres's local context next to the state-level rules that reach every lender here.

Which North Dakota laws govern a loan in Reile's Acres

For the roughly 841 residents of Reile's Acres, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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
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 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

What is available to Reile's Acres borrowers

At roughly 741 people per square mile, Reile's Acres is moderately settled; 19 larger places lie within 50 miles. What is available to Reile's Acres's 841 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Fargo, ND about 5 miles away.

Reile's Acres in state context

Set beside North Dakota's 355 places, Reile's Acres ranks 63rd by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 5th of 355 North Dakota places, putting it near the 99th percentile for growth. By density, at about 741 people per square mile, it ranks 84th in North Dakota. Between 2020 and 2023 the count changed by roughly 137 residents.

The geography behind Reile's Acres

Reile's Acres's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 741 residents per square mile. Fargo, the largest place in North Dakota, is about 5 miles from Reile's Acres. Reile's Acres has 19 larger places within a 50-mile radius. The 100-mile radius contains 52 larger places.

Inside a Reile's Acres personal loan

In Reile's Acres, a small community of about 841, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Reile's Acres's rank of 63rd in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Reile's Acres loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Reile's Acres 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 Reile's Acres is the same as anywhere in North Dakota.
What loan size can I expect in Reile's Acres?
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 Reile's Acres?
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 Reile's Acres 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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