Personal loans in Richardton, ND

Personal loans in Richardton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 671 population. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Richardton's 671 residents. For a community of about 671, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Hebron, ND about 14 miles away.

The Richardton data picture

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

• Population: a Census-estimated 671, 78th among North Dakota's 355 places (Vintage 2023).
• Population trend: A decline of about 2.9% across the 2020-to-2023 comparison.
• People gained or lost: about 20 fewer since the 2020 base.
• Size percentile: bigger than about 78% of the places in North Dakota, with 671 residents in Richardton.
• Population density: about 303 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Richardton ranks 37th among North Dakota's 355 places, at 2.2 sq mi.
• Share of North Dakota: Richardton holds about 0.1% of the state's population, some 671 people.
• National rank: Richardton sits 11,978th by population among the 19,457 places in this dataset.
• Growth rank: Richardton ranks 246th among North Dakota's 355 places for the 2020-to-2023 change.
• State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Richardton's 2.9%.
• Density rank: Richardton is the 194th most densely settled place in North Dakota.
• Density vs North Dakota: Richardton's 303 people per square mile compare with a state median of 352.
• Location: 46.8813, -102.3332 (US Census Bureau Gazetteer).
• Nearest larger cities: Hebron (14 mi); Dickinson (22 mi); Glen Ullin (24 mi); New England (35 mi); Beulah (38 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Taylor (4 mi); Gladstone (12 mi); Dodge (30 mi).
• Within a 50-mile radius: 15 smaller Census places.
• Within 100 miles: 25 places are larger than Richardton.

Lender access in Richardton

Richardton is lightly settled, with about 303 people per square mile and 9 larger places within 50 miles. A North Dakota licence lets a lender serve Richardton without a local office, so branch density does not change what its 671 residents are offered. For a larger market, the closest option is Hebron, ND about 14 miles away.

North Dakota rules behind a Richardton personal loan

Below are the North Dakota rules that apply to a loan made in Richardton, each with the regulator that issued it.

Richardton on the map

The Census Gazetteer records about 2.2 square miles of land within Richardton, with no significant water area listed. The resulting density is about 303 people per square mile. For the state's biggest city, Fargo, the distance is roughly 260 miles. A 50-mile radius around Richardton takes in 9 places that are larger. By land area it ranks 37th of 355 North Dakota places.

Where Richardton sits in North Dakota

Set beside North Dakota's 355 places, Richardton ranks 78th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Richardton stands 246th among North Dakota's 355 places — roughly the 31th percentile. At about 303 people per square mile, Richardton is the 194th most densely settled place in North Dakota. Between 2020 and 2023 the count changed by roughly 20 residents.

Inside a Richardton personal loan

Most loans made to Richardton's 671 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Richardton's 671 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Richardton loan is knowable in advance — unlike a revolving card balance.