Donnybrook at a glance
- Population: about 73, 248th by size in North Dakota of 355 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 76 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.9% lower than the 2020 Census base (US Census Bureau).
- Rank among North Dakota places: 248th-largest of 355 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 30% of places in North Dakota rank below it by population (US Census Bureau).
- Coordinates: 48.5077, -101.8871 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Carpio, ND (9 mi); Kenmare, ND (14 mi); Berthold, ND (15 mi); Palermo, ND (20 mi); Des Lacs, ND (23 mi) (US Census Bureau populations).
- Nearest smaller communities: Grano, ND (16 mi); Tolley, ND (16 mi); Loraine, ND (29 mi), each a US Census place.
What a personal loan costs in Donnybrook
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
North Dakota lending rules that apply in Donnybrook
The table carries the North Dakota rate and licensing rules that apply to consumer loans made in Donnybrook.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 to compare offers in Donnybrook
Here is a short checklist for comparing personal loans in Donnybrook:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in North Dakota using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.