Personal loans in Williston, ND

Williston is a smaller city in North Dakota, with an estimated 27,706 residents, and every licensed lender here follows the same state rulebook. The trend for Williston between 2020 and 2023 is downward by roughly 5.0%. Price two or three terms so you can see which payment is truly affordable in Williston. The closest larger city is Minot, ND about 109 miles away.

Williston: the sourced local profile

Here is the sourced Census picture for Williston, plus the North Dakota lending rules that apply to a loan taken out here.

• Population: 27,706 residents; Williston is the 6th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
• Population trend: Roughly 5.0% fewer residents than the 2020 Census counted.
• People gained or lost: about 1,463 fewer since the 2020 base.
• Size percentile: with 27,706 residents, Williston is larger than about 98% of North Dakota's Census places.
• Population density: 1,077 people per square mile on 25.7 square miles of land.
• By land area: Williston ranks 7th among North Dakota's 355 places, at 25.7 sq mi.
• Water area: Williston has 0.14 square miles of water, ranking 16th of 355 places in North Dakota.
• Share of state population: Williston's 27,706 residents are about 4.5% of North Dakota.
• National standing: Williston ranks 1,415th of 19,457 US places.
• Growth in North Dakota: Williston stands 337th by percentage change from 2020 to 2023, among 355 places.
• Versus North Dakota: the state average change is -1.2%, while Williston moved 5.0%.
• Density rank: Williston places 44th among North Dakota's places by people per square mile.
• Density in context: Williston's 1,077 people per square mile sit against a North Dakota median of 352.
• Location: it lies at 48.1895, -103.6491 in the Census Gazetteer.
• Nearest larger cities: Minot (109 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Springbrook (10 mi); Epping (15 mi); Ray (24 mi).
• Smaller places within 50 miles: 17 of them.
• Within 100 miles: 0 places are larger than Williston.

Before you apply in Williston

These steps shape the offer you get in Williston, a place of about 27,706 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the North Dakota regulator's licence list.
5. Decide the purpose and how you will repay it before approaching any lender.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across North Dakota; what changes is your credit file, not the fact that Williston holds 27,706 people.

Borrowing reach in Williston

Williston is a moderately settled community of about 27,706 people, with 0 larger places inside a 50-mile radius. Lenders licensed in North Dakota reach Williston's 27,706 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Minot, ND about 109 miles away.

The anatomy of a Williston personal loan

With roughly 27,706 residents, Williston is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Williston loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Williston loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which North Dakota laws govern a loan in Williston

This table holds the North Dakota rate and licensing rules for consumer loans made to Williston's 27,706 residents.

Where Williston sits in North Dakota

Set beside North Dakota's 355 places, Williston ranks 6th by population and holds about 4.5% of the state total. Its 2020-to-2023 change ranks 337th of 355 North Dakota places, putting it near the 5th percentile for growth. By density, at about 1,077 people per square mile, it ranks 44th in North Dakota. Within 50 miles sit 17 smaller Census places, alongside the 0 that are larger.