Personal loans in Woodworth, ND

Woodworth, North Dakota — home to about 45 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule. An estimated 45 people make their home in Woodworth, a figure that ranks 283rd in North Dakota. The nearest larger city is Pettibone, ND about 10 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 2.2%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Woodworth's 45 residents. For a community of about 45, the practical step is to compare APR across at least three lenders before committing.

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.

Woodworth: population, trend and location

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

Woodworth on the map

Woodworth's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 211 residents per square mile. Fargo, the largest place in North Dakota, is about 118 miles from Woodworth. Counting outward 50 miles, 29 larger communities surround Woodworth. By land area it ranks 302nd of 355 North Dakota places.

Where Woodworth sits in North Dakota

Woodworth is the 283rd-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 191st of 355 North Dakota places, putting it near the 46th percentile for growth. By density, at about 211 people per square mile, it ranks 240th in North Dakota. In land area, Woodworth ranks 302nd among North Dakota's 355 places.

How a Woodworth personal loan is priced

With roughly 45 residents, Woodworth is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Woodworth can be quoted different APRs on the same amount and term. Shortening the term on a Woodworth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

North Dakota rules behind a Woodworth personal loan

North Dakota has no separate rate rule for Woodworth; the sourced rows below are what reach every lender that serves its 45 people.

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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).
North Dakota Legislative Branch
as of 2026-09-16
Usury penalties (state-specific rule)Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor.
Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11).
North Dakota Legislative Branch
as of 2026-09-16

How lenders reach Woodworth

At roughly 211 people per square mile, Woodworth is lightly settled; 29 larger places lie within 50 miles. Whether Woodworth has a local branch or not, a North Dakota-licensed lender can serve its 45 people online on the same terms. The nearest larger city, Pettibone, ND about 10 miles away.

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 Woodworth 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 Woodworth is the same as anywhere in North Dakota.
What loan size can I expect in Woodworth?
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 Woodworth?
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 Woodworth 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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