Personal loans in Reynolds, ND

Reynolds lost roughly 2.2% of its population across the 2020-to-2023 comparison. Consumer lending that reaches Reynolds's 268 residents is governed by North Dakota statute; no city ordinance changes it. Judge Reynolds offers on total cost, not on how quickly the money arrives. The nearest larger metro is Buxton, ND about 5 miles away.

Local context for Reynolds

Two layers matter for a Reynolds borrower: the local population picture and North Dakota's consumer-lending statutes.

• Population: 268 — Reynolds ranks 131st of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
• Population trend: Roughly 2.2% fewer residents than the 2020 Census counted.
• Absolute change: 6 residents lost between 2020 and 2023.
• Size percentile: Reynolds's 268 people outrank roughly 63% of the places in North Dakota.
• Population density: about 344 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Reynolds ranks 143rd among North Dakota's 355 places, at 0.8 sq mi.
• Share of state population: Reynolds's 268 residents are about 0.0% of North Dakota.
• National standing: Reynolds ranks 15,519th of 19,457 US places.
• Growth in North Dakota: Reynolds stands 192nd by percentage change from 2020 to 2023, among 355 places.
• Against the state trend: Reynolds's 2.2% change compares with a North Dakota average of -1.2% across its 355 places.
• Density rank: Reynolds places 180th among North Dakota's places by people per square mile.
• Density vs North Dakota: Reynolds's 344 people per square mile compare with a state median of 352.
• Location: it lies at 47.6685, -97.1060 in the Census Gazetteer.
• Nearest larger cities: Buxton (5 mi); Thompson (7 mi); Mayville (16 mi); Hatton (17 mi); Fisher (17 mi). Lenders licensed in the state serve Reynolds whether or not they keep a local branch.
• Smaller communities within reach: Climax (14 mi); Nielsville (17 mi); Shelly (20 mi).
• Smaller neighbours: 32 places smaller than Reynolds sit within 50 miles.
• At 100 miles: 94 larger Census places fall inside that radius.

How Reynolds compares across North Dakota

Among North Dakota's 355 places, Reynolds sits at 131st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Reynolds ranks 192nd of 355 in North Dakota (about the 46th percentile). By density, at about 344 people per square mile, it ranks 180th in North Dakota. By land area, its 0.8 square miles rank 143rd of 355 places in North Dakota.

How North Dakota law applies in Reynolds

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Reynolds is bound by the same rules.

Lender access in Reynolds

Reynolds is a lightly settled community of about 268 people, with 31 larger places inside a 50-mile radius. A North Dakota licence lets a lender serve Reynolds without a local office, so branch density does not change what its 268 residents are offered. The nearest bigger place is Buxton, ND about 5 miles away.

A practical checklist for Reynolds borrowers

These steps shape the offer you get in Reynolds, a place of about 268 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the North Dakota regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across North Dakota; what changes is your credit file, not the fact that Reynolds holds 268 people.

The anatomy of a Reynolds personal loan

With roughly 268 residents, Reynolds is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Reynolds. Shortening the term on a Reynolds loan raises the monthly payment but cuts the interest; lengthening it does the reverse.