Personal loans in Souris, ND

Souris is a small community in North Dakota, with an estimated 39 residents, and every licensed lender here follows the same state rulebook. With an estimated 39 residents, Souris is the 293rd-largest of 355 places in North Dakota.

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

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.

The 2020-to-2023 change in Souris is negligible, under a tenth of a percent. Work out your debt-to-income ratio first; lenders weigh it heavily, and Souris's 39 residents are no exception. The closest larger place is Bottineau, ND about 12 miles away. For the 39 people in Souris, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

What the Census records for Souris

What follows is Souris's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

How a Souris personal loan is priced

A Souris personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 39 residents. A lender serving Souris's 39 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Souris loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Souris

With about 398 residents per square mile, Souris is lightly settled, and 18 larger Census places sit within 50 miles. What is available to Souris's 39 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bottineau, ND about 12 miles away.

Souris's place among North Dakota's 355 places

Souris is the 293rd-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Souris ranks 58th of 355 in North Dakota (about the 84th percentile). At about 398 people per square mile, Souris is the 165th most densely settled place in North Dakota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Which North Dakota laws govern a loan in Souris

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

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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).
North Dakota Legislative Branch
as of 2026-09-16
Usury penalties (state-specific rule)Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor.
Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11).
North Dakota Legislative Branch
as of 2026-09-16

Souris on the map

Inside Souris's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 398 residents per square mile. Fargo, the largest place in North Dakota, is about 228 miles from Souris. A 50-mile radius around Souris takes in 18 places that are larger. The 100-mile radius contains 71 larger places.

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 Souris 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 Souris is the same as anywhere in North Dakota.
What loan size can I expect in Souris?
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 Souris?
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 Souris 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

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