Personal loans in Upham, ND

Upham, North Dakota — home to about 130 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule. The Census estimates 130 residents in Upham, which ranks it 194th of 355 places in North Dakota. From the 2020 Census base to the 2023 estimate, the population declined by about 4.4%. Read the disclosure for an origination fee and any prepayment penalty before signing in Upham. A larger market lies at Willow City, ND about 20 miles away.

Where Upham stands

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

• Population: an estimated 130 residents, 194th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 4.4% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 6 fewer since the 2020 base.
• Size percentile: Upham's 130 people outrank roughly 45% of the places in North Dakota.
• Population density: about 419 people per square mile (Census land area 0.3 sq mi).
• By land area: Upham ranks 252nd among North Dakota's 355 places, at 0.3 sq mi.
• Share of North Dakota: Upham holds about 0.0% of the state's population, some 130 people.
• National standing: Upham ranks 17,606th of 19,457 US places.
• Growth rank: Upham ranks 316th among North Dakota's 355 places for the 2020-to-2023 change.
• Versus North Dakota: the state average change is -1.2%, while Upham moved 4.4%.
• Density rank: Upham is the 158th most densely settled place in North Dakota.
• Density vs North Dakota: Upham's 419 people per square mile compare with a state median of 352.
• Location: the Census Gazetteer records it at 48.5816, -100.7284.
• Nearest larger cities: Willow City (20 mi); Bottineau (21 mi); Towner (22 mi); Granville (22 mi); Glenburn (23 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Kramer (8 mi); Newburg (12 mi); Gardena (13 mi).
• Within a 50-mile radius: 17 smaller Census places.
• At 100 miles: 55 larger Census places fall inside that radius.

Where Upham sits in North Dakota

Within North Dakota, Upham holds roughly 0.0% of all residents, the 194th-largest share among 355 places. For population change between 2020 and 2023, Upham ranks 316th of 355 in North Dakota (about the 11th percentile). At about 419 people per square mile, Upham is the 158th most densely settled place in North Dakota. In land area, Upham ranks 252nd among North Dakota's 355 places.

Getting a loan in Upham

With about 419 residents per square mile, Upham is lightly settled, and 20 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve Upham without a local office, so branch density does not change what its 130 residents are offered. The nearest larger city, Willow City, ND about 20 miles away.

Upham: area, density and distance

The Census Gazetteer records about 0.3 square miles of land within Upham, with no significant water area listed. With 130 residents, the land area yields roughly 419 people per square mile. For the state's biggest city, Fargo, the distance is roughly 217 miles. Within 50 miles of Upham there are 20 larger Census places. The 100-mile radius contains 55 larger places.

Steps to take before a Upham loan

A sensible order of operations for a loan in Upham, home to about 130 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Upham and the rest of North Dakota is not the process but the borrower's own file, among the 130 people here.

North Dakota consumer-lending rules applied in Upham

North Dakota has no separate rate rule for Upham; the sourced rows below are what reach every lender that serves its 130 people.