Personal loans in Wilton, ND
Consumer lending that reaches Wilton's 714 residents is governed by North Dakota statute; no city ordinance changes it.
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.
- Population: 714 — Wilton ranks 73rd of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: About 1.0% below the 2020 Census base.
- Absolute change: 7 residents lost between 2020 and 2023.
- Size percentile: about 79% of North Dakota's Census places are smaller than Wilton.
- Population density: 1,284 people per square mile on 0.6 square miles of land.
- By land area: Wilton ranks 179th among North Dakota's 355 places, at 0.6 sq mi.
- Water area: Wilton has 0.01 square miles of water, ranking 59th of 355 places in North Dakota.
- State population share: Wilton accounts for about 0.1% of everyone in North Dakota.
- National rank: Wilton sits 11,719th by population among the 19,457 places in this dataset.
- Growth rank: Wilton ranks 116th among North Dakota's 355 places for the 2020-to-2023 change.
- Versus North Dakota: the state average change is -1.2%, while Wilton moved 1.0%.
- Density in North Dakota: Wilton ranks 26th by people per square mile.
- Against the state median: Wilton runs about 1,284 residents per square mile, where the North Dakota median is 352.
- Location: 47.1580, -100.7840 (Census Gazetteer coordinates).
- Nearest larger cities: Washburn (15 mi); Mandan (23 mi); Bismarck (24 mi); Underwood (27 mi); Lincoln (27 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Regan (12 mi); Mercer (23 mi); Wing (24 mi).
- Smaller neighbours: 19 places smaller than Wilton sit within 50 miles.
- Within 100 miles: 27 places are larger than Wilton.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 status | Legal 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 |
Common questions
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What loan size can I expect in Wilton?
Do I have to pledge anything to borrow in Wilton?
Does comparing loans in Wilton cost me credit score points?
Nearby places
- Regan, ND — population 34
- Washburn, ND — population 1,283
- Mercer, ND — population 125
- Bismarck, ND — population 75,092
- Mandan, ND — population 24,586
- Turtle Lake, ND — population 537
- Lincoln, ND — population 4,426
- Underwood, ND — population 774