North Dakota Payday Loans


If you’re considering getting North Dakota cash loans, you first need to be aware of the different laws governing the transaction. The state has made it easier for borrowers by enforcing policies to maintain fairness and protect consumers against grasping lenders. Our site aims to help you with this by providing a comprehensive and up to date list of ND policies regarding payday loans.

Any questions and comments are always welcomed. For payday loan laws in other states, please visit the main web page.

 Payday Loan Process in North Dakota

The payday loan process for North Dakota is easy with approvals granted in as little as one week, depending on the lender. Borrowers simply need to fill in the form, send their credentials and wait for the money to be deposited. Following are the requirements set by the state:

  • Borrower must be 18 years old and above
  • Must be a resident of North Dakota
  • Must be currently employed
  • Monthly salary must meet minimum requirements of lender
  • Must own a checking or savings account

ND lenders can be flexible by providing payday loans even to those who have a bad credit history. Some lenders accommodate those on welfare or have already retired and waiting on their monthly checks. Minimum salary requirements typically vary depending on the lender, ranging from $800 to $1000. If You need cash in Lakota, please click here : Lakota cash.

North Dakota Payday Loan Laws and Regulations

All lenders in North Dakota are required to operate within the following limitations:

  1. Maximum Loan Amount: $500
  2. Loan Term: 60 Days
  3. Finance Charge for $100 Loan in 14 Days: $20
  4. APR for $100 Loan in 14 Days: 520%
  5. Maximum Fees and Finance Rates: 20% plus the databasing fee
  6. Maximum Outstanding Loans at a Time: No more than $600 aggregate
  7. Collection Fees: $20 NSF Fee
  8. Rollovers: One
  9. Cooling Off Period: 3 Days

All borrowers are advised to read the documents of the transaction before pushing through with short-term loan.

North Dakota Consumer Protection

ND consumers having problems with their short-term loan can seek help through the regulatory contact of the state. Currently, the body which handles payday loans is the North Dakota Department of Financial Institutions.

Address: 2000 Schafer Street, Suite G Bismarck ND 58501
Phone: (701) 328-9933 
Fax: (701) 328-0290
Look For: Aaron Webb, Assistant Commissioner

To further protect yourself against problems, the regulatory board advised every consumed to read up on the background of their lender. Any questions or complaints regarding transactions can also be sent through the group’s email or through their official website:

North Dakota Payday Loan Alternatives

There are currently lots of alternatives for payday loans if you’re leery of getting one. The most ideal solution would be through friends and relatives, all of which are less likely to ask for interest rates. Employers may also give out a cash advance for emergencies. If you’re willing, parting with an asset or pawning it off can also provide the amount of cash you need. Credit cards can be temporarily used to pay off bills while a bank loan is best used for large scale borrowings.

Payday Loans cities in North Dakota:
Abercrombie Arthur Beach
Belfield Beulah Binford
Bismarck Bottineau Bowbells
Bowman Buffalo Burlington
Cando Carrington Carson
Casselton Cavalier Cooperstown
Devils Lake Dickinson Edgeley
Ellendale Esmond Fargo
Fingal Finley Flasher
Fordville Forman Fort Yates
Fredonia Garrison Gfafb
Gilby Glen Ullin Grafton
Grand Forks Halliday Hankinson
Harvey Hatton Hazelton
Hazen Hettinger Hillsboro
Hoople Jamestown Kulm
Lakota Lamoure Langdon
Larimore Leeds Leonard
Lidgerwood Linton Lisbon
Loraine Maddock Mandan
Mayville Medina Milnor
Minot Minot Afb Mott
Napoleon New Rockford New Town
Northwood Oakes Park River
Parshall Petersburg Portland
Ray Richardton Robinson
Rolla Rugby Saint Thomas
Sharon Stanley Steele
Strasburg Streeter Tioga
Turtle Lake Underwood Valley City
Velva Wahpeton Walhalla
Watford City West Fargo Williston
Willow City Wilton Wishek

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