Payday Loans in North Dakota (ND)

Known as a highly professional loan broker online in the USA, Weloans helps you connect with a long list of lenders for payday loans in North Dakota. Find more details below.

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    15 Best Payday Loans & Cash Advance in North Dakota (ND)

    Here we show you detailed infos related to some payday loan lenders in North Dakota. Hit on the button below to get a quote now.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (155)
      • Address:
      • 2750 17th Ave S, Grand Forks, ND 58201, United States
      • Phone:
      • +1 701-775-3288
      • Open hours:
    • 4.6
      AllStarAllStarAllStarAllStarHallStar
      (396)
      • Address:
      • 2495 S Washington St, Grand Forks, ND 58201, United States
      • Phone:
      • +1 701-738-8189
      • Open hours:
    • 4.5
      AllStarAllStarAllStarAllStarHallStar
      (453)
      • Address:
      • 2305 Main Ave, Fargo, ND 58103, United States
      • Phone:
      • +1 701-293-7370
      • Open hours:
    • 4
      4.5
      AllStarAllStarAllStarAllStarHallStar
      (399)
      • Address:
      • 110 W Main St, Mandan, ND 58554, United States
      • Phone:
      • +1 701-663-5155
      • Open hours:
    • 5
      4.3
      AllStarAllStarAllStarAllStarHallStar
      (1081)
      • Address:
      • 3208 16th St SW Suite 400, Minot, ND 58701
      • Phone:
      • (701) 852-4420
      • Open hours:
    • 6
      4.3
      AllStarAllStarAllStarAllStarHallStar
      (1018)
      • Address:
      • 501 38th St S, Fargo, ND 58103, United States
      • Phone:
      • +1 701-282-5522
      • Open hours:
    • 7
      4.6
      AllStarAllStarAllStarAllStarHallStar
      (138)
      • Address:
      • 1205 E Bismarck Expy, Bismarck, ND 58504, United States
      • Phone:
      • +1 701-223-9666
      • Open hours:
    • 8
      4.0
      AllStarAllStarAllStarAllStarEmptyStar
      (1295)
      • Address:
      • 300 11th St W, Williston, ND 58801, United States
      • Phone:
      • +1 701-572-2927
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (52)
      • Address:
      • 1408 20th Ave SW #3rd, Minot, ND 58701, United States
      • Phone:
      • +1 701-838-3247
      • Open hours:
    • 10
      4.5
      AllStarAllStarAllStarAllStarHallStar
      (68)
      • Address:
      • 4607 Memorial Hwy, Mandan, ND 58554, United States
      • Phone:
      • +1 701-751-3341
      • Open hours:
    • 11
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (51)
      • Address:
      • 1545 S Broadway, Minot, ND 58701, United States
      • Phone:
      • +1 701-837-6333
      • Open hours:
    • 12
      4.3
      AllStarAllStarAllStarAllStarHallStar
      (68)
      • Address:
      • 503 U.S. Highway 2 West, Devils Lake, ND 58301, United States
      • Phone:
      • +1 800-451-7087
      • Open hours:
    • 13
      4.4
      AllStarAllStarAllStarAllStarHallStar
      (47)
      • Address:
      • 855 45th St S D, Fargo, ND 58103, United States
      • Phone:
      • +1 701-277-5056
      • Open hours:
    • 14
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (32)
      • Address:
      • 913 Burlington Dr #4, Bismarck, ND 58504, United States
      • Phone:
      • +1 701-323-0183
      • Open hours:
    • 15
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (29)
      • Address:
      • 820 34th Ave E, West Fargo, ND 58078, United States
      • Phone:
      • +1 701-364-2300
      • Open hours:
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    North Dakota Payday Loans Regulations

    • Loan Amount (max)

      $500

    • Loan Term (max)

      60 days

    • Finance Charges

      20% of the amount advanced

    • APR
      487

    According to regulations in North Dakota, payday loans are Legal.The interest rate can be 487.You can borrow $500 at most.1 rollovers are allowed. Finance charges is 20% of the amount advanced. All borrowers must repay the full amount within 6 years (from the last payment).

    What is the Amount Borrowers Can Get With A Payday Loan in North Dakota?

    • Borrowers can get a maximum of $500, but the minimum sum limit has not been set.

    Payday loan transactions conducted by licensed lenders with any customer whose value of combined outstanding loans is more than $600 are forbidden. That outstanding amount should be paid to the lender or another licensed party according to N.D. Cent. Code 13-08-01 et seq.

    The Rates, Fees and Other Charges for a Payday Loan in North Dakota

    • A loan can be charged with percentage rates peaking at 20% by lending companies operating in North Dakota, indicating that customers are required to pay up to $20 on each $100 borrowed.

    Licensed lenders are entitled to charge a fee for payday loans services, so long as the fee is not greater than 20% of the amount being paid to the borrower by the lender. Fees are not permitted to be considered interest for any purpose. No other fees or billings may be assessed for the payday loan services, apart from a fee no greater than the cost to the licensed lender. It may be charged for initiating a transaction and storing it on a database administered or permitted by the state commissioner. (N.D. Cent. Code 13-08-01 et seq.)

    For the average $300 payday loan, Real APR in North Dakota can be up to 487% (According to the Center for Responsible Lending 2019).

    With a 14 days term:

    APR: 487%

    Loan cost: $100* 487%* (14/365)=$18.7

    To return: Principal + Loan cost=$100+$18.7=$118.7

    How Long Does It Take To Repay A Payday Loan in North Dakota?

    • Borrowers in North Dakota can keep a loan for 60 days, whereas the average for other states is 30 days only.
    • North Dakota does not forbid rollovers, nevertheless, the fee amount is not allowed to exceed 20% of the loan.
    • There should be a cooling-off period of 3 business days before the next consecutive loan.

    Consumer Information

    Attention

    Lenders are not supposed to check a borrower’s ability to repay a loan from July 2020. You need to evaluate your financial situation in case you get into a debt trap. The CFPB changed the rule.

    • Suppose that the client closes their bank account or if a borrower who passes a check recognizes that there is no money on the account, collection charges ($20) may be filed.
    • If a customer is not able to repay the loan in time, lenders in North Dakota are not allowed to file charges in court to return the funds.

    Contact the North Dakota Department of Financial Institutions (DFI), if you need any assistance in regard to payday loans.

    Receive North Dakota Payday Loans by Cities

    Following is a group of main cities in North Dakota below. Click on the city to find details of payday loan lenders to your needs.

    View More Cities →

    North Dakota Payday Loan Calculator

    Find out the amount of money you're going to pay for a North Dakota payday loan easily with the calculator below.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Nearby Payday Loans in North Dakota

    Dakota Pawnbrokers
    3.8
    AllStarAllStarAllStarHallStarEmptyStar
    (57)
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    Gate City Bank
    4.1
    AllStarAllStarAllStarAllStarHallStar
    (43)
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    Jackson Hewitt Tax Service
    4.3
    AllStarAllStarAllStarAllStarHallStar
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    Mister Money USA (44)
    4.4
    AllStarAllStarAllStarAllStarHallStar
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