Personal loans in Zeeland, ND

With an estimated 82 residents, Zeeland is the 243rd-largest of 355 places in North Dakota. The roughly 82 people who live in Zeeland borrow under North Dakota rules; city hall sets no personal-loan rate.

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.

Census figures put the 2020-to-2023 decrease in Zeeland at about 2.4%. Pull your credit reports and line up at least three offers before you apply from Zeeland. For the 82 people in Zeeland, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Herreid, SD about 15 miles away.

Zeeland by the numbers

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

Inside a Zeeland personal loan

In Zeeland, a small community of about 82, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Zeeland can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Zeeland loan is knowable in advance — unlike a revolving card balance.

Zeeland in state context

Zeeland is the 243rd-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Zeeland ranks 210th of 355 in North Dakota (about the 41th percentile). Its roughly 275 residents per square mile place it 202nd among North Dakota's places. The population moved by about 2 people between 2020 and 2023, a 2.4% shift.

North Dakota consumer-lending rules applied in Zeeland

These are North Dakota's sourced lending facts as they reach Zeeland's 82 residents; the state has no city-level rate rule.

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

Zeeland on the map

Zeeland covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 275 people per square mile. For the state's biggest city, Fargo, the distance is roughly 156 miles. Within 50 miles of Zeeland there are 20 larger Census places. By land area it ranks 257th of 355 North Dakota places.

How lenders reach Zeeland

With about 275 residents per square mile, Zeeland is lightly settled, and 20 larger Census places sit within 50 miles. What is available to Zeeland's 82 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Herreid, SD about 15 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 Zeeland 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 Zeeland is the same as anywhere in North Dakota.
What loan size can I expect in Zeeland?
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 Zeeland?
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 Zeeland 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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