Personal loans in Wilton, ND

Consumer lending that reaches Wilton's 714 residents is governed by North Dakota statute; no city ordinance changes it.

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.

Wilton counts about 714 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing. The Census counts 714 people in Wilton, the 73rd-largest figure among North Dakota's 355 places. Wilton shed about 1.0% of its population between the 2020 base and the 2023 estimate. Rate-shopping from Wilton costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger place is Washburn, ND about 15 miles away.

The Wilton data picture

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

What is available to Wilton borrowers

At roughly 1,284 people per square mile, Wilton is moderately settled; 9 larger places lie within 50 miles. What is available to Wilton's 714 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Washburn, ND about 15 miles away.

How a Wilton personal loan is priced

Wilton is a small community of about 714 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wilton. Shortening the term on a Wilton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Wilton's place among North Dakota's 355 places

Set beside North Dakota's 355 places, Wilton ranks 73rd by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Wilton stands 116th among North Dakota's 355 places — roughly the 67th percentile. At about 1,284 people per square mile, Wilton is the 26th most densely settled place in North Dakota. In land area, Wilton ranks 179th among North Dakota's 355 places.

Where Wilton sits

Wilton's land area is about 0.6 square miles; a further 0.01 square miles is water. Spread across it are roughly 1,284 residents per square mile. Fargo, the largest place in North Dakota, is about 187 miles from Wilton. Wilton has 9 larger places within a 50-mile radius. The 100-mile radius contains 27 larger places.

How North Dakota law applies in Wilton

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Wilton 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
Maximum legal interest rate (usury cap)Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%.
Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).
North Dakota Department of Financial Institutions
as of 2026-09-16
Payday lending statusLegal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer.
Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3).
North Dakota Legislative Branch
as of 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.

Common questions

What are my options in Wilton 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 Wilton is the same as anywhere in North Dakota.
What loan size can I expect in Wilton?
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 Wilton?
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 Wilton 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.

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