Compare loan rates in Oakes.
Whether you live in Dickey County or anywhere else in North Dakota, loan.me matches you with lenders licensed in your state. We verify your info, then lenders compete for your business.
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ND · Local snapshot
Oakes, ND
- Population
- 2,657
- ZIP codes
- 1
- Mean income
- $59,661
- County
- Dickey County
Oakes rate snapshot
What personal loan rates look like in Oakes right now.
Local median APR (ND)
19.22%
Averaged across credit tiers, adjusted for North Dakota.
National median APR
19.37%
Lenders licensed in ND
250+
Competing for Oakes borrowers.
Rates shown are illustrative medians derived from our lender network for North Dakota. Your actual offer depends on credit profile, income, loan amount, and term. Pre-qualify with a soft credit check to see your real rate from lenders licensed in Dickey County.
About lending in Oakes
How borrowing works in Oakes, ND.
Oakes sits in Dickey County, where the typical household earns about $59,661 a year. That income context matters: lenders use debt-to-income ratios to size offers, so Oakes borrowers often qualify for right-sized loans tuned to local cost of living.
Across 1 ZIP codes in and around Oakes, loan.me works with 250+ lenders licensed in North Dakota. That includes national banks, credit unions, online direct lenders, and specialty providers for auto, business, and home equity needs. We don't lend directly we shop your profile to the partners most likely to approve you at the best rate available in ND.
Because North Dakota regulates APR caps, disclosure timing, and prepayment penalties differently than neighboring states, every offer you see has already been filtered for compliance in Oakes. No bait-and-switch teaser rates, no offers from lenders who can't actually fund a loan in your ZIP.
What you can borrow for
Loan options for Oakes borrowers.
Personal & debt loans
Compare personal loan offers from $1K–$100K. Consolidate cards, fund a project, cover the unexpected.
Mortgage & refinance
Purchase, refinance, and home equity options from local and national lenders licensed in your state.
Auto & specialty loans
Pre-approved auto financing, business loans, and equipment financing all in one place.
Compare Oakes rates by product
Pick the loan you need.
Personal Loans
in Oakes, ND
Auto Loans
in Oakes, ND
Student Loans
in Oakes, ND
Debt Consolidation
in Oakes, ND
Business Loans
in Oakes, ND
SBA Loans
in Oakes, ND
Business Credit Cards
in Oakes, ND
Equipment Financing
in Oakes, ND
Home Purchase
in Oakes, ND
Refinance
in Oakes, ND
Home Equity
in Oakes, ND
FHA & VA Loans
in Oakes, ND
Rewards Credit Cards
in Oakes, ND
Balance Transfer Cards
in Oakes, ND
Secured Credit Cards
in Oakes, ND
0% Intro APR Cards
in Oakes, ND
Why loan.me in Oakes
One application, lenders licensed in North Dakota.
Every offer you see comes from a lender licensed to do business in North Dakota. Real rates, real terms, filtered for your credit profile before you ever see them.
- Soft credit check won't impact your score
- 300+ lending partners licensed across all 50 states
- Real pre-qualified offers, not teaser rates
- Free to compare lenders pay us, never you
Nearby in North Dakota
Other cities we serve.
Questions Oakes borrowers ask.
What loan amounts can I qualify for in Oakes, ND?+
loan.me matches Oakes borrowers with personal loans from $1,000 to $100,000, auto loans up to vehicle value, and mortgages from $50,000 to jumbo amounts. Final approval depends on income, credit profile, and the lender's underwriting rules in North Dakota.
Does checking my rate affect my credit score in Oakes?+
No. Pre-qualification on loan.me uses a soft credit pull, which does not impact your credit score. A hard inquiry only happens after you accept an offer and the lender begins formal underwriting.
How long does it take to get funded in Oakes, ND?+
Most personal and auto loan applications from Oakes receive offers within minutes and fund within 1–3 business days after approval. Mortgage and refinance timelines depend on appraisal and title work in Dickey County, typically 21–45 days.
Are the lenders shown licensed to operate in North Dakota?+
Yes. Every offer surfaced to a Oakes borrower comes from a lender licensed to originate the requested product in North Dakota. We filter the marketplace by your state before any offer is displayed.
Is there a fee to compare loan offers in Oakes?+
No. loan.me is free for borrowers. Our lending partners pay us when a match results in a funded loan, so you can compare offers in Oakes without ever paying us a fee.
Page last reviewed for Oakes, ND.
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