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North Dakota Payday Loans Laws
Payday lending in North Dakota is legal and the state has similar laws to the payday laws in many other states.
The one thing that sets North Dakota apart from other states in its payday lending laws is the loan term period. A client can keep a loan for 60 days while other states limit this period to 30 days.
Borrowers are allowed to have a minimum loan amount of $500. However, there is no maximum amount a borrower may take. The APR is restricted to 520% and not more than that.
The Advantages of Online North Dakota Loans
Your Obligations As a Borrower In North Dakota
- Get a written agreement containing customer’s name, rates charged, the loan sum, the date and the APR;
- You should be given the document showing all the charges and fees;
- There is a maximum of $20 on collection fees;
- You have a right to pay back the loan by 5 p.m. of the same day after applying.
Lenders in North Dakota are prohibited from filing charges in court if you fail to repay or default the loan. Court charges are only allowed if a borrower closes his account or presents a check while being aware that there is no money in his account.
The regulatory authority in this state is the North Dakota Department of Financial Institution. This is where you can file a complaint if you feel that your lender is treating you unfairly.
North Dakota Payday Loan Regulations
| Legal Status | Legal |
| Interest Rate (APR) | 487% |
| Max. Loan Amount | $500 |
| Min. Loan Term | Not specified |
| Max. Loan Term | 30 days |
| Number of Rollovers | 1 |
| Finance Charges | 20% of the amount advanced |
| Database Tracking | No |
How To apply for North Dakota Cash Advance
You can either submit an online application or go to a payday lender’s store. Most of the requirements are similar to those of the other states.
You must be at least 18 years and be an American citizen.
You will need to show proof of steady income and provide personal details such as date of birth and contact info.
Finance Charges and Interest on North Dakota Payday Loans
- Finance charges can be up to 520% per annum;
- Some companies will charge a database fee which the state laws have not set a maximum limit.
Get the Loan You Need
An online personal loan can help when you need cash for large purchases or unplanned expenses.
Rollover of North Dakota Installment Loans
Rollover of loans is allowed only once in North Dakota. The renewal fee is limited to 20% of the loan amount being renewed. In addition, there may be other finance charges included.
How To apply for North Dakota Cash Advance
You can either submit an online application or go to a payday lender’s store. Most of the requirements are similar to those of the other states. You must be at least 18 years and be an American citizen.
You will need to show proof of steady income and provide personal details such as date of birth and contact info.
Cities In North Dakota Where You Can Find Payday Loan Lenders
You can find storefront lenders near you in North Dakota in the following cities and towns:
- Bismarck
- Devils Lake
- Dickinson
- Fargo
- Grafton
- Grand Forks
- Valley City
- Wahpeton
- Jamestown
- West Fargo
Online loans are usually a better option compared to storefront lenders. Comparing online loans in much easier and online loan options are usually less costly. Compare online loan options in North Dakota with the search tool at the top of this page.
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Compare North Dakota Loans at Financer.com
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Use our free loan comparison tool to find the right personal loan in North Dakota and take the guesswork out of doing all the legwork yourself.
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