Payday Loan Laws & Legislation In North Dakota

Payday loans have a lengthy history in North Dakota. Prior to the law’s passage in 2001, these loans were accessible. In this sector, there have been many regulatory modifications. Payday loans are more prevalent in this state than in South Dakota.

Payday Lending Laws in North Dakota

Payday loans are regulated in North Dakota by the N.D. 13-08-01, 13-08-01, 13-08-01, 13-08-01, 13-08-01, 13-08-01, 13-08-01, Payday loans are regulated in North Dakota in the same way that they are in other states. This legislation applies to both online and brick-and-mortar lenders.

Every customer asking for a loan in North Dakota must sign a contract. Each customer in North Dakota who applies for a loan is required to sign a contract. Each customer who asks for a loan in North Dakota should sign a written agreement. Each customer who asks for a loan in North Dakota should sign a written agreement. The client’s name, the interest rate, and the date the loan was approved should all be included.

The paper must include all fees and charges. All figures must be expressed in US dollars. The customer may cancel the loan at any moment before 5 p.m. after filing an application.

Loan Amount in North Dakota

  • Maximum loan amount in North Dakota Borrowers are only allowed to take home a maximum of $500. There is no minimum quantity, though.

“A licensee cannot participate in a delayed transaction with customers who pay just one licensee an average of $600 per customer.” (North Dakota Centennial Code 13-08-01 et seq.)

North Dakota is a state in North America. Fees, Rates, and Other Fees

  • Lenders in North Dakota may charge a percentage rate of up to 20%.

Customers may be charged $20 every $100 borrowed, depending on the amount, and there may be a cost for deferred vengeance services. The licensee is only required to pay a maximum of 20%. This charge is non-refundable and non-transferable. The option of a postponed presentation is completely free. A fee may be required to register transactions in the commissioner’s database. The licensee is responsible for paying the fee. 13-08-01 and subsequent Cent Codes)

The maximum single-day payday term in North Dakota 

  • North Dakota is the only state that allows borrowers to retain their debts.

60-day period

Other states’ average limit is likewise 30 days.

  • Rollovers

These are permitted.

The charge paid by North Dakota cannot exceed 20% of the loan amount.

  • 3 business days for cooling-off

Before you can apply for your next loan, you must complete this form.

Consumer-oriented information

  • Fees for collection ($20)

Clients who are having financial difficulties and are unable to pay their bills may be eligible for help.

  • It’s a no-no.

North Dakota financial institutions

Make a note of the court.

The money will be returned if the client fails to repay the loan by the due date.

The North Dakota Department of Financial Institutions is a good place to go if you need help with payday loans (DFI).

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Below is a list of lenders who are not associated in any manner with Paydaychampion. This is merely a useful list of lenders. We do not recommend these businesses.

Loan Providers in Bismarck, North Dakota

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Some Quick Facts about Bismarck in North Dakota

AGE AND SEX

The elderly comprise a disproporionate 17 percent of the population, implying Bismarck is an older place. Youth less than 18 years old make up 21.8% of the locals. The rate of births in Bismarck is more than the national average at 6.7%.

POPULATION

The Population is slightly biased towards female in gender with females in Bismarck, North Dakota constituting 50.4 percent of the residents. The newest population for Bismarck in the state of North Dakota is 73,529 increasing by 19.9% since 2010.

ECONOMY FACTS

The most common rental payment is $867 which is under the nationwide average. The median property price is $245300, (above normals for the US). At $30096, local retail sales per head are higher than the median for the country.

SOCIAL FACTS

People who did not succeed to graduate from elementary education are very probable to be the market for salary loans. In Bismarck, 6.2 percent are in this category. Homeowners (63.3%) and individuals who achieved a bachelor education are less probable to require payday financing. 7.1% of locals have no health insurance which is more favorable than the United States norms. In Bismarck, North Dakota 6.7 percent of locals are reported disabled and thus may use federal health support.
Name Phone Address Review Score Sample Reviews
Fairway Independent Mortgage Corporation+1 701-429-1181Fairway Independent Mortgage Corporation, 1142 W Turnpike Ave Suite 4, Bismarck, ND 58501, United States0/5 (not set)
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    S.A.M. Check Cashing Machine+1 701-223-6617S.A.M. Check Cashing Machine, 900 43rd Ave NE, Bismarck, ND 58503, United States0/5 (not set)
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      Student Loans of North Dakota+1 701-328-5660Student Loans of North Dakota, 1200 Memorial Hwy, Bismarck, ND 58504, United States2.5/5 (8 reviews)
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      Vue Community Credit Union+1 701-223-6533Vue Community Credit Union, 818 E Main Ave, Bismarck, ND 58501, United States5/5 (6 reviews)
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      Heartland Payment Systems Inc+1 701-255-3211Heartland Payment Systems Inc, 2910 E Broadway Ave # 42, Bismarck, ND 58501, United States0/5 (not set)
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        Loan Providers in Devils Lake, North Dakota

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        Some Quick Facts about Devils Lake in North Dakota

        ECONOMY FACTS

        The most common rental figure is $566 which is below the nationwide average. The average real estate price is $138600, (below average for the US). At $38551, retail sales per head surpass average nationally.

        SOCIAL FACTS

        In Devils Lake, North Dakota 14.9% of people are reported as handicapped and as a result pass for federal health insurance. 7.1% of residents need health insurance which means the area is more affluent than the US mean. Those who did not finish school are more likely to be clients for salary loans. In Devils Lake, 9.5% belong to this group. Individuals possessing property (46.2%) and those with a degree are not very likely to need short term financing.

        POPULATION

        The Population is slightly more male in gender with women in Devils Lake, North Dakota constituting 49.8 percent of the local inhabitants. The most updated population for Devils Lake, North Dakota is 7,320 expanding 2.3% since 2010.

        AGE AND SEX

        The growth in youngsters in Devils Lake is less than average at 5.8%. The aged comprise an unhealthy 22.2% of the local inhabitants, suggesting Devils Lake is an aged town. Kids less than 18 years old consist 20.8% of the population.
        Name Phone Address Review Score Sample Reviews

        Loan Providers in Dickinson, North Dakota

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        Some Quick Facts about Dickinson in North Dakota

        ECONOMY FACTS

        The most common rent figure is $917 dropping below the US average. The average property ticket is $238000, (> average for the US). $38702, retail sales per head surpass average nationally.

        SOCIAL FACTS

        Those who failed to finish elementary education are more probable to make use of quick cash loans. In Dickinson, 10.0 percent belong to this bracket. People possessing property (52.4 percent) and individuals with a degree are not likely to avail themselves of payday financing. In Dickinson, North Dakota 6.2 percent of residents are recorded disabled and accordingly pass for Medicare. 11.3% of locals do not have health insurance which means the area is poorer than the US norm.

        AGE AND SEX

        The birth rate in Dickinson is over normal for the US at 8.2%. People over 65 comprise a small 11.3 percent of the residents, indicating Dickinson is a young area. Children under 18 years old make up 24.9% of the local inhabitants.

        POPULATION

        The Population is slightly more male in gender with females in Dickinson, North Dakota making up 48.9 percent of the residents. The freshest population survey for Dickinson in North Dakota is 23,133 escalating 29.4% over 2010.
        Name Phone Address Review Score Sample Reviews
        Walmart Money Center+1 701-225-8504Walmart Money Center, 2456 3rd Ave W, Dickinson, ND 58601, United States1/5 (1 review)
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        Loan Providers in Fargo, North Dakota

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        Some Quick Facts about Fargo in North Dakota

        POPULATION

        The newest population for Fargo in the state of North Dakota is 124,662 exapanding by 18.0% over 2010. The populace is a little biased towards men with females in Fargo, North Dakota constituting 49.1 percent of the locals.

        AGE AND SEX

        The elderly consist a monority 11.9 percent of the locals, implying Fargo is a youthful locale. Youth below 18 years of age embody 20 percent of the populace. The growth in youngsters in Fargo is above the US average at 6.7%.

        ECONOMY FACTS

        The typical rental payment is $823 putting the area below the national average. The most common real estate ticket is $212100, (< the median for the country). Totalling $30060, local retail sales per person outstrip average for the country.

        SOCIAL FACTS

        Individuals owning their home (43.6%) and people who have a degree are not probable to be clients for quick cash loans. 7.3% of the populace have no a medical plan. This is superior to the United States average. Individuals who didn't finish school are most likely to require payday advances. In Fargo, 5.7 percent qualify for this group. In Fargo, North Dakota 6.5 percent of the locals are registered as disabled and thus have access to federal health support.
        Name Phone Address Review Score Sample Reviews
        Money Lenders+1 701-235-9555Money Lenders, 3060 25th St S suite a, Fargo, ND 58103, United States0/5 (not set)
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          EZ Money Check Cashing+1 701-293-7178EZ Money Check Cashing, 1833 S University Dr, Fargo, ND 58103, United States4.1/5 (8 reviews)
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          Money Lenders+1 701-234-9990Money Lenders, 2305 Main Ave, Fargo, ND 58103, United States0/5 (1 review)
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            Americash+1 701-234-9990Americash, 2305 Main Ave, Fargo, ND 58103, United States3.4/5 (5 reviews)
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            Mister Money USA (44)+1 701-235-6130Mister Money USA (44), 1404 33rd St S Suite G, Fargo, ND 58103, United States4.5/5 (24 reviews)
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            First International Bank & Trust+1 701-277-8558First International Bank & Trust, 4501 40th Ave S, Fargo, ND 58104, United States5/5 (6 reviews)
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            Loan Providers in Grand Forks, North Dakota

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            Some Quick Facts about Grand Forks in North Dakota

            AGE AND SEX

            The rate of births in Grand Forks is above the national average at 6.4 percent. The elderly comprise a quintessential 12% of the population, hinting Grand Forks is a demographically routine town. Youngsters under 18 years of age comprise 19.5 percent of the populace.

            POPULATION

            Residents are biased in favor of male in gender with women in Grand Forks, North Dakota constituting 48 percent of the locals. The most up to date population number for Grand Forks in the state of North Dakota is 55,839 increasing by 5.5% compared with 2010.

            SOCIAL FACTS

            Home owners (43.6%) and individuals who achieved a university qualification are less likely to be the market for short term financing. In Grand Forks, North Dakota 7.3% of people are recorded disabled and therefore make the grade for federal insurance. 7.5% of locals are in need of a health plan. This is more favorable than the United States norms. People who didn't graduate from elementary education are most likely to be the market for usury. In Grand Forks, 4.9 percent qualify for this category.

            ECONOMY FACTS

            At $28093, local retail sales per head are higher than average for the country. The median rent charge is $811 which is under the average. The average real estate ticket is $210300, (below normals for the US).
            Name Phone Address Review Score Sample Reviews
            Sharp Personal Loans+1 701-409-2941Sharp Personal Loans, 3766 Gateway Dr, Grand Forks, ND 58203, United States5/5 (3 reviews)
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            OneMain Financial+1 701-772-7114OneMain Financial, 2100 S Columbia Rd #112, Grand Forks, ND 58201, United States3.7/5 (3 reviews)
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            First Community Credit Union+1 701-772-9960First Community Credit Union, 3351 32nd Ave S #3607, Grand Forks, ND 58201, United States3.8/5 (11 reviews)
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            Gate City Bank+1 701-792-4350Gate City Bank, 2850 24th Ave S, Grand Forks, ND 58201, United States4.5/5 (11 reviews)
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            Auto Credit Inc+1 701-746-7028Auto Credit Inc, 2251 32nd Ave S # 200, Grand Forks, ND 58201, United States3/5 (2 reviews)
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            Loan Providers in Jamestown, North Dakota

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            Some Quick Facts about Jamestown in North Dakota

            POPULATION

            The populace is more male in gender with females in Jamestown, North Dakota comprising 49.7 percent of the local inhabitants. The most up to date population number for Jamestown, North Dakota is 15,084 a fall of -2.2% over 2010.

            SOCIAL FACTS

            Property owners (57.3%) and people who have a bachelor qualification are least likely to fall afoul of payday loans. In Jamestown, North Dakota 11% of residents are reported disabled and as a result have access to federal health support. Those who failed to graduate from basic education are more likely to fall afoul of short term loans. In Jamestown, 9.9 percent are in this category. 10.6 percent of locals have no a health plan. This is worse than the US norm.

            ECONOMY FACTS

            Totalling $23576, local retail sales per person better average nationally. The typical rent payment is $680 falling under the nationwide median. The most common real estate cost is $144800, (< the median nationally).

            AGE AND SEX

            The rate of births in Jamestown is less than average at 5.7 percent. Senior citizens comprise an outsized 18.4 percent of the local inhabitants, hinting Jamestown is an older aged locale. Youth under 18 years of age embody 19.4 percent of the local inhabitants.
            Name Phone Address Review Score Sample Reviews

            Loan Providers in Mandan, North Dakota

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            Some Quick Facts about Mandan in North Dakota

            AGE AND SEX

            The rate of births in Mandan is greater than the nationwide average at 6 percent. Elderly people comprise an unexceptional 14.7 percent of the populace, indicating Mandan is an ordinary city. Children under 18 consist 21.7% of the populace.

            ECONOMY FACTS

            Totalling $26992, retail sales per person outstrip average for the country. The typical rental payment is $868 dropping below the median. The average property price is $215300, (beneath the median for the country).

            POPULATION

            The Population is more male in gender with women in Mandan, North Dakota constituting 49.9 percent of the populace. The newest population count for Mandan in the state of North Dakota is 22,752 exapanding by 20.6% compared with 2010.

            SOCIAL FACTS

            In Mandan, North Dakota 5.5% of locals are recorded not able bodied and therefore qualify for federal health support. Individuals who didn't finish school are very probable to make use of small dollar loans. In Mandan, 8.2 percent qualify for this category. Property owners (64.9 percent) and those with a bachelor education are not probable to apply for small dollar loans. 6.5 percent of residents don't have a medical plan and this is more affluent than the United States norm.
            Name Phone Address Review Score Sample Reviews
            lewis & clark development group+1 701-667-7600lewis & clark development group, 200 1st Ave NW, Mandan, ND 58554, United States0/5 (not set)
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              Loan Providers in Minot, North Dakota

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              Some Quick Facts about Minot in North Dakota

              POPULATION

              The newest population for Minot, located in North Dakota is 47,382 growing 15.3% compared with 2010. The populace is slightly in favor of male in gender with women in Minot, North Dakota constituting 48.1 percent of the residents.

              ECONOMY FACTS

              The median rent payment is $918 putting the area under the nationwide average. The median house ticket is $208700, (less than average nationally). $38556, local retail sales per capita are above the median nationally.

              AGE AND SEX

              Elderly people consist a normal 13 percent of the residents, suggesting Minot is an ordinary town. Kids below 18 years of age consist 21.5 percent of the local inhabitants. The birth rate in Minot is more than the nationwide average at 6.9 percent.

              SOCIAL FACTS

              In Minot, North Dakota 7.7% of the population are recorded as handicapped and hence are eligible for federal health insurance. Individuals who haven't succeeded to finish secondary education are more probable to need payday loans. In Minot, 6.7% qualify for this class. Individuals possessing property (56.7%) and those who qualified with a university education are not likely to be the market for salary loans. 8.2% of locals need a health plan which is more favorable than the US norms.
              Name Phone Address Review Score Sample Reviews
              Americash+1 701-852-6666Americash, 401 40th Ave SW, Minot, ND 58701, United States4.5/5 (15 reviews)
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              S.A.M. Check Cashing Machine+1 701-852-4420S.A.M. Check Cashing Machine, 3224 16th St SW, Minot, ND 58701, United States0/5 (not set)
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                OneMain Financial+1 701-839-7537OneMain Financial, 401 40th Ave SW #141, Minot, ND 58701, United States3/5 (14 reviews)
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                Affinity First Federal Cu+1 701-857-5541Affinity First Federal Cu, 811 S Broadway A, Minot, ND 58701, United States3.8/5 (10 reviews)
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                Loan Providers in Valley City, North Dakota

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                Some Quick Facts about Valley City in North Dakota

                ECONOMY FACTS

                $17379, local retail sales per person outstrip the median nationally. The typical rental payment is $677 putting the area under the nationwide average. The average property cost is $133600, (less than normals for the country).

                POPULATION

                The most current population for Valley City in the state of North Dakota is 6,323 dropping -4.9% over 2010.Locals are more women with women in Valley City, North Dakota comprising 52.1% of the local inhabitants.

                AGE AND SEX

                People over 65 comprise a massive 21.4% of the local inhabitants, suggesting Valley City is a very old aged city. Children below 18 years of age embody 16.7% of the locals. The birth rate in Valley City is lower than the nationwide average at 4.1%.

                SOCIAL FACTS

                Those who did not graduate from elementary education are more probable to be in the market for short term loans. In Valley City, 9.2% fall into this group. 6.1% of the populace do not have health insurance meaning the area is more affluent than the national norms. Property owners (59%) and individuals who achieved a bachelor qualification are less likely to be in the market for usury. In Valley City, North Dakota 10.9% of people are qualified as not able bodied and hence qualify for federal health support.
                Name Phone Address Review Score Sample Reviews
                AgCountry Farm Credit Services+1 701-845-1751AgCountry Farm Credit Services, 220 Winter Show Rd SW, Valley City, ND 58072, United States0/5 (not set)
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                  Loan Providers in Wahpeton, North Dakota

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                  Some Quick Facts about Wahpeton in North Dakota

                  SOCIAL FACTS

                  In Wahpeton, North Dakota 8.7 percent of residents are recorded as not able bodied and thus are eligible for federal support. 4.6 percent of residents have no a health plan and this is more favorable than the United States norm. People who did not graduate from secondary education are most likely to require quick cash loans. In Wahpeton, 12.0% are part of this group. Property owners (51.5%) and people possessing a bachelor qualification are not likely to be the market for cash advances.

                  AGE AND SEX

                  The growth in youngsters in Wahpeton is less than the national average at 5.1%. Elderly people consist a classic 14.9% of the population, implying Wahpeton is a demographically unexceptional locale. Kids under 18 years of age comprise 18.7% of the local inhabitants.

                  POPULATION

                  The most recent population number for Wahpeton in the state of North Dakota is 7,734 a drop of -0.4% compared with 2010.Residents are a little in favor of men with women in Wahpeton, North Dakota comprising 45.6% of the populace.

                  ECONOMY FACTS

                  $19453, local retail sales per head better normal for the country. The median rent payment is $669 dropping below the US median. The median house price is $123300, (< normals for the country).
                  Name Phone Address Review Score Sample Reviews
                  Direct Check+1 701-642-1802Direct Check, 215 Dakota Ave, Wahpeton, ND 58075, United States0/5 (2 reviews)
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                    Gate City Bank+1 701-671-4700Gate City Bank, 802 Dakota Ave, Wahpeton, ND 58075, United States4.6/5 (9 reviews)
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                    Loan Providers in Watford City, North Dakota

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                    Some Quick Facts about Watford City in North Dakota

                    ECONOMY FACTS

                    The typical rental payment is $1143 outshining the nationwide average. The median house price is $236400, (over the median nationally).

                    POPULATION

                    Residents are a little in favor of men with women in Watford City, North Dakota comprising 49.9% of the local inhabitants. The newest population survey for Watford City in North Dakota is 7,835 rising by 336.0% over 2010.

                    SOCIAL FACTS

                    Homeowners (45.3 percent) and those who qualified with a university education are least probable to be the market for quick cash loans. 14.8 percent of the populace have no a health plan which means the area is poorer than the US norms. People who did not graduate from school are quite probable to fall afoul of payday advances. In Watford City, 10 percent qualify for this class. In Watford City, North Dakota 4.6 percent of residents are registered as disabled and accordingly have access to federal health insurance.

                    AGE AND SEX

                    The rate of births in Watford City is greater than the nationwide average at 13.4%. People over 65 make up a lowly 10.2% of the population, implying Watford City is a young city. Children under 18 embody 27.9 percent of the populace.
                    Name Phone Address Review Score Sample Reviews
                    S.A.M. Check Cashing Machine+1 701-842-2519S.A.M. Check Cashing Machine, 113 6th Ave SE, Watford City, ND 58854, United States0/5 (not set)
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                      Loan Providers in West Fargo, North Dakota

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                      Some Quick Facts about West Fargo in North Dakota

                      POPULATION

                      The freshest population count for West Fargo in the state of North Dakota is 37,058 growing by 43.4% since 2010. Locals are a little in favor of female with women in West Fargo, North Dakota making up 50.2 percent of the residents.

                      AGE AND SEX

                      People over 65 make up a low 8.7 percent of the locals, indicating West Fargo is a vigorous location. Children under 18 years old embody 27.7% of the populace. The birth rate in West Fargo is more than normal for the US at 8.7 percent.

                      SOCIAL FACTS

                      In West Fargo, North Dakota 5.7 percent of the population are registered handicapped and accordingly may use federal support. Those possessing their own property (65.8 percent) and individuals who have a bachelor qualification are not probable to be customers for high interest loans. Individuals who did not succeed to finish basic education are very likely to require small dollar loans. In West Fargo, 3.0% are part of this basket. 5.1 percent of local inhabitants need health insurance. This is more affluent than the United States norms.

                      ECONOMY FACTS

                      The most common rental payment is $920 putting the area under the nationwide average. The most common house ticket is $241000, (greater than average nationally). Totalling $13604, retail sales per person exceed average for the US.
                      Name Phone Address Review Score Sample Reviews

                      Loan Providers in Williston, North Dakota

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                      Some Quick Facts about Williston in North Dakota

                      SOCIAL FACTS

                      Those owning their property (46.1 percent) and individuals who have a higher education degree are less likely to avail themselves of usury. In Williston, North Dakota 8.2 percent of locals are registered handicapped and consequently make the grade for federal health support. Individuals who have not succeeded to graduate from secondary education are most likely to avail themselves of salary loans. In Williston, 9.4 percent are in this grouping. 15.1% of locals do not have medical insurance meaning the area is poorer than the national norm.

                      ECONOMY FACTS

                      The typical rent cost is $964 putting the area beneath the median. The average property cost is $238700, (above the median for the US). Totalling $36902, B2C sales per head are above normal for the country.

                      POPULATION

                      The populace is a little biased towards male with women in Williston, North Dakota constituting 45.4 percent of the locals. The most updated population for Williston, located in North Dakota is 29,033 rising 82.1% compared with 2010.

                      AGE AND SEX

                      Senior citizens comprise a monority 7.9% of the populace, suggesting Williston is a young place. Kids under 18 embody 27.3% of the populace. The growth in youngsters in Williston is above the nationwide average at 9 percent.
                      Name Phone Address Review Score Sample Reviews
                      Walmart Money Center+1 701-572-8550Walmart Money Center, 4001 2nd Ave W, Williston, ND 58801, United States0/5 (not set)
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