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.
Woodworth: population, trend and location
Woodworth is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 45 people, a figure that places Woodworth 283rd among the 355 Census places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 2.2% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: about 20% of North Dakota communities are smaller than Woodworth (45 residents).
- Land and density: 0.2 square miles of land carry roughly 211 residents per square mile.
- Land area: Woodworth covers 0.2 square miles, the 302nd-largest area among North Dakota's 355 places.
- State population share: Woodworth accounts for about 0.0% of everyone in North Dakota.
- National standing: Woodworth ranks 19,049th of 19,457 US places.
- Growth in North Dakota: Woodworth stands 191st by percentage change from 2020 to 2023, among 355 places.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Woodworth's 2.2%.
- Density rank: Woodworth is the 240th most densely settled place in North Dakota.
- Against the state median: Woodworth runs about 211 residents per square mile, where the North Dakota median is 352.
- Location: 47.1422, -99.3042 (Census Gazetteer coordinates).
- Nearest larger cities: Pettibone (10 mi); Medina (17 mi); Cleveland (19 mi); Sykeston (23 mi); Carrington (23 mi). Online lenders reach Woodworth no matter how far the nearest branch is.
- Smaller communities within reach: Pingree (19 mi); Robinson (22 mi); Cathay (29 mi).
- Smaller places within 50 miles: 6 of them.
- Larger places within 100 miles: 127.
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.
| 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 |
| Small-loan / installment lender licensing | Money 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.
Common questions
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Nearby places
- Pettibone, ND — population 58
- Medina, ND — population 265
- Cleveland, ND — population 61
- Sykeston, ND — population 99
- Carrington, ND — population 2,009
- Pingree, ND — population 43
- Tappen, ND — population 211
- Cathay, ND — population 21