Personal loans in Tolley, ND

Tolley, North Dakota — home to about 42 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule. Price two or three terms so you can see which payment is truly affordable in Tolley. Consumer lending that reaches Tolley's 42 residents is governed by North Dakota statute; no city ordinance changes it. The nearest larger city is Kenmare, ND about 12 miles away.

The Tolley data picture

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

• Population: a Census-estimated 42, 290th among North Dakota's 355 places (Vintage 2023).
• Population trend: Roughly level with the 2020 Census base.
• Size percentile: Tolley sits ahead of around 18% of North Dakota places, at 42 people.
• Land and density: 0.1 square miles of land carry roughly 336 residents per square mile.
• Land area rank: Tolley's 0.1 square miles rank 341st of 355 places in North Dakota.
• Share of North Dakota: Tolley holds about 0.0% of the state's population, some 42 people.
• National rank: Tolley is the 19,090th most populous of the 19,457 Census places covered here.
• Growth rank: Tolley ranks 57th among North Dakota's 355 places for the 2020-to-2023 change.
• Against the state trend: Tolley's 0.0% change compares with a North Dakota average of -1.2% across its 355 places.
• Density rank: Tolley places 184th among North Dakota's places by people per square mile.
• Against the state median: Tolley runs about 336 residents per square mile, where the North Dakota median is 352.
• Location: 48.7303 / -101.8271, per the US Census Bureau Gazetteer.
• Nearest larger cities: Kenmare (12 mi); Mohall (14 mi); Donnybrook (16 mi); Sherwood (18 mi); Bowbells (20 mi). Larger metros often have more branches, but online lenders reach Tolley on the same terms.
• Smaller places nearby: Grano (13 mi); Loraine (15 mi); Antler (30 mi).
• Within a 50-mile radius: 4 smaller Census places.
• Within 100 miles: 75 places are larger than Tolley.

The anatomy of a Tolley personal loan

A Tolley personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 42 residents. Because pricing is borrower-level, two people in Tolley can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Tolley loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Tolley sits

Inside Tolley's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 336 residents per square mile. Fargo, the largest place in North Dakota, is about 265 miles from Tolley. Within 50 miles of Tolley there are 27 larger Census places. Within the same 50 miles lie 4 smaller Census places.

North Dakota consumer-lending rules applied in Tolley

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

Steps to take before a Tolley loan

Before you apply in Tolley, a community of about 42, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the North Dakota regulator's licence list.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Tolley-specific: the same North Dakota licensing and disclosure rules reach all 42 residents.

Tolley in state context

Within North Dakota, Tolley holds roughly 0.0% of all residents, the 290th-largest share among 355 places. On the 2020-to-2023 trend, Tolley stands 57th among North Dakota's 355 places — roughly the 84th percentile. Its roughly 336 residents per square mile place it 184th among North Dakota's places. Between 2020 and 2023 the count changed by roughly 0 residents.