Personal loans in Sentinel Butte, ND

The trend for Sentinel Butte between 2020 and 2023 is upward by roughly 1.6%. Sentinel Butte is one of 355 Census places in North Dakota; its 63 residents put it at 262nd.

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

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Sentinel Butte counts about 63 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing. Read the disclosure for an origination fee and any prepayment penalty before signing in Sentinel Butte. Consumer lending that reaches Sentinel Butte's 63 residents is governed by North Dakota statute; no city ordinance changes it. The closest larger city is Beach, ND about 8 miles away.

Local context for Sentinel Butte

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Population: a Census-estimated 63, 262nd among North Dakota's 355 places (Vintage 2023).
Population trend: The 2020-to-2023 change is positive, near 1.6%.
Absolute change: 1 residents added between 2020 and 2023.
Size percentile: about 26% of North Dakota communities are smaller than Sentinel Butte (63 residents).
Land and density: 1.0 square miles of land carry roughly 61 residents per square mile.
By land area: Sentinel Butte ranks 97th among North Dakota's 355 places, at 1.0 sq mi.
Water: Sentinel Butte holds about 0.02 square miles, the 49th-largest water area in North Dakota.
Share of state population: Sentinel Butte's 63 residents are about 0.0% of North Dakota.
National rank: Sentinel Butte is the 18,786th most populous of the 19,457 Census places covered here.
Growth rank: Sentinel Butte's 2020-to-2023 change ranks 35th of 355 places in North Dakota.
Versus North Dakota: the state average change is -1.2%, while Sentinel Butte moved 1.6%.
Density rank: Sentinel Butte is the 317th most densely settled place in North Dakota.
Against the state median: Sentinel Butte runs about 61 residents per square mile, where the North Dakota median is 352.
Location: mapped by the US Census Bureau at 46.9194, -103.8406.
Nearest larger cities: Beach (8 mi); Golva (14 mi); Medora (15 mi); Wibaux (17 mi); Belfield (31 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Amidon (39 mi); Ismay (54 mi); Gascoyne (66 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 1 of them.
Within 100 miles: 47 places are larger than Sentinel Butte.

Steps to take before a Sentinel Butte loan

Before you hand your details to a lender in Sentinel Butte, where the population is near 63:

Start with the credit file: order the reports, fix the errors, then apply.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Check the North Dakota regulator's records to confirm the lender is licensed here.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Write down the purpose of the loan and your repayment plan before you apply.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Sentinel Butte-specific: the same North Dakota licensing and disclosure rules reach all 63 residents.

What shapes a Sentinel Butte personal loan

Most loans made to Sentinel Butte's 63 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sentinel Butte. Shortening the term on a Sentinel Butte loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Sentinel Butte: area, density and distance

Sentinel Butte covers about 1.0 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 61 residents per square mile. The state's population centre of gravity, Fargo, is roughly 331 miles away. A 50-mile radius around Sentinel Butte takes in 12 places that are larger. The 100-mile radius contains 47 larger places.

Lender access in Sentinel Butte

Sentinel Butte is sparsely settled, with about 61 people per square mile and 12 larger places within 50 miles. What is available to Sentinel Butte's 63 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Beach, ND about 8 miles away.

North Dakota consumer-lending rules applied in Sentinel Butte

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

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

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Common questions

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

What loan size can I expect in Sentinel Butte?

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 Sentinel Butte?

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 Sentinel Butte 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

Beach, ND — population 972
Golva, ND — population 85
Medora, ND — population 155
Wibaux, MT — population 449
Marmarth, ND — population 95
Belfield, ND — population 969
Amidon, ND — population 23
Baker, MT — population 1,800