Personal loans in Underwood, ND

Two households in Underwood with comparable incomes can still be offered different rates; the city's 774 residents are not the reason. If debt is already a strain, a nonprofit credit counsellor can help Underwood residents before they take on more. Every figure below is North Dakota's own, applied to Underwood's 774 residents, with the publisher and retrieval date attached. The closest larger city is Washburn, ND about 12 miles away.

Underwood by the numbers

Underwood is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 774 residents, 67th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 1.8% fewer residents than the 2020 Census counted.
• People gained or lost: about 14 fewer since the 2020 base.
• Size percentile: about 81% of North Dakota's Census places are smaller than Underwood.
• Density: roughly 763 residents per square mile, spread over 1.0 sq mi of land.
• Land area: Underwood covers 1.0 square miles, the 102nd-largest area among North Dakota's 355 places.
• State share: roughly 0.1% of North Dakota's residents live in Underwood (774 people).
• National rank: Underwood is 11,336th of 19,457 places nationwide.
• Growth rank: Underwood ranks 169th among North Dakota's 355 places for the 2020-to-2023 change.
• Versus North Dakota: the state average change is -1.2%, while Underwood moved 1.8%.
• Density rank: Underwood is the 77th most densely settled place in North Dakota.
• Against the state median: Underwood runs about 763 residents per square mile, where the North Dakota median is 352.
• Location: 47.4564, -101.1412 (Census Gazetteer coordinates).
• Nearest larger cities: Washburn (12 mi); Garrison (19 mi); Hazen (25 mi); Beulah (32 mi); Velva (43 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Coleharbor (7 mi); Riverdale (11 mi); Turtle Lake (13 mi).
• Smaller places within 50 miles: 27 of them.
• Within 100 miles: 25 places are larger than Underwood.

What is available to Underwood borrowers

Underwood is moderately settled, with about 763 people per square mile and 8 larger places within 50 miles. What is available to Underwood's 774 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Washburn, ND about 12 miles away.

Underwood: area, density and distance

Underwood's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 763 people per square mile. For the state's biggest city, Fargo, the distance is roughly 207 miles. Counting outward 50 miles, 8 larger communities surround Underwood. The 100-mile radius contains 25 larger places.

A practical checklist for Underwood borrowers

For Underwood's roughly 774 residents, these are the steps that most influence the offer:

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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the North Dakota licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Underwood and the rest of North Dakota is not the process but the borrower's own file, among the 774 people here.

Inside a Underwood personal loan

Most loans made to Underwood's 774 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Underwood's 774 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Underwood loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Underwood

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Underwood lender must follow.