Personal loans in Wyndmere, ND
Wyndmere is a small community of about 448 residents, and a personal loan taken out here is governed by North Dakota statute. Wyndmere is one of 355 Census places in North Dakota; its 448 residents put it at 98th.
The next larger city is Lidgerwood, ND about 13 miles away. Census figures put the 2020-to-2023 decrease in Wyndmere at about 0.7%. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Wyndmere as from the rest of the state. Price two or three terms so you can see which payment is truly affordable in Wyndmere.
Wyndmere: the sourced local profile
The figures below are Wyndmere's own — Census population, land area and coordinates — followed by the North Dakota rules.
- Population: 448 residents; Wyndmere is the 98th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.7%.
- People gained or lost: about 3 fewer since the 2020 base.
- Size percentile: Wyndmere's 448 people outrank roughly 72% of the places in North Dakota.
- Population density: 521 people per square mile on 0.9 square miles of land.
- Land area: Wyndmere covers 0.9 square miles, the 132nd-largest area among North Dakota's 355 places.
- Within North Dakota: about 0.1% of the state's population lives in Wyndmere.
- National rank: Wyndmere is 13,624th of 19,457 places nationwide.
- Growth rank: Wyndmere's 2020-to-2023 change ranks 104th of 355 places in North Dakota.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Wyndmere's 0.7%.
- Density rank: Wyndmere places 135th among North Dakota's places by people per square mile.
- Density vs North Dakota: Wyndmere's 521 people per square mile compare with a state median of 352.
- Location: latitude 46.2641, longitude -97.1312 (Census Gazetteer).
- Nearest larger cities: Lidgerwood (13 mi); Milnor (15 mi); Hankinson (17 mi); Wahpeton (25 mi); Gwinner (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Barney (6 mi); Mantador (10 mi); Mooreton (12 mi).
- Smaller neighbours: 46 places smaller than Wyndmere sit within 50 miles.
- At 100 miles: 85 larger Census places fall inside that radius.
Where Wyndmere sits in North Dakota
Among North Dakota's 355 places, Wyndmere sits at 98th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 104th of 355 North Dakota places, putting it near the 71th percentile for growth. Its roughly 521 residents per square mile place it 135th among North Dakota's places. The population moved by about 3 people between 2020 and 2023, a 0.7% shift.
North Dakota consumer-lending rules applied in Wyndmere
Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Wyndmere lender must follow.
| 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 |
The anatomy of a Wyndmere personal loan
A Wyndmere personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 448 residents. Two numbers drive a Wyndmere loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Wyndmere loan is knowable in advance — unlike a revolving card balance.
Borrowing reach in Wyndmere
Wyndmere is moderately settled, with about 521 people per square mile and 27 larger places within 50 miles. Lenders licensed in North Dakota reach Wyndmere's 448 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Lidgerwood, ND about 13 miles away.
Where Wyndmere sits
The Census Gazetteer records about 0.9 square miles of land within Wyndmere, with no significant water area listed. With 448 residents, the land area yields roughly 521 people per square mile. The largest place in North Dakota, Fargo, lies about 44 miles away. Within 50 miles of Wyndmere there are 27 larger Census places. The 100-mile radius contains 85 larger places.
Common questions
What are my options in Wyndmere if my credit is poor?
What loan size can I expect in Wyndmere?
Do I have to pledge anything to borrow in Wyndmere?
Does comparing loans in Wyndmere cost me credit score points?
Nearby places
- Barney, ND — population 42
- Mantador, ND — population 68
- Lidgerwood, ND — population 593
- Mooreton, ND — population 173
- Hankinson, ND — population 918
- Cayuga, ND — population 38
- Milnor, ND — population 614
- Colfax, ND — population 202