Payday Loans In North Dakota

Payday Loan Laws & Legislation In North Dakota

Payday loans have a lengthy history in North Dakota. 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

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

Each customer who asks for a loan in North Dakota should sign a written agreement. The contract should include the client’s name, the interest rate, and the loan approval date.

The agreement must include all fees. All figures must be in US dollars. Borrowers may cancel the loan at any moment before 5 p.m. after applying. If you are using online payday lenders and even though they claim to be in a different country. You should be aware that they may not adhere to U.S. law regarding the proper storage and protection of your personal information. 

Why choose a payday loan?

The majority of people are eligible to apply for payday loans because they require cash fast. It is common to be approved and get your account credited with funds the next day. This kind of loan is ideal for those who can obtain the cash you require through an online application that is easy, swift, quick, and accessible. With our instant financing, it is not necessary to sit around waiting!

Loan Amount in North Dakota

A payday loan isn’t cheap, but it focuses on consumers who other lenders would otherwise turn down for low-interest loans. Some of these North Dakota borrowers may be considering a storefront or online payday loan, but they should think about PaydayChampion first.

It’s important to remember that payday loans in North Dakota are limited to a maximum loan sum of $500. This may not be sufficient for many debtors. In most circumstances, payday lenders do not report your payments to the credit bureaus. As a result, paying back a payday loan has no impact on your credit score.

“A license 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%.

Depending on the amount, customers may be charged $20 for every $100 borrowed, 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 entirely free. You may need to pay a fee 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 are illegal. The charge paid by North Dakota cannot exceed 20% of the loan amount.
  •  Three 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 have financial difficulties and cannot pay their bills may be eligible for help.

North Dakota financial institutions

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

Small Personal Loans

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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 aged embody a disproporionate 17.0% of the population, indicating Bismarck is a retirement town. Youngsters below 18 comprise 21.8% of the residents. The growth in youngsters in Bismarck is more than the nationwide average at 6.7 percent.

POPULATION

The most recent population for Bismarck in the state of North Dakota is 73,529 escalating 19.9% compared with 2010. The Population is more female in gender with women in Bismarck, North Dakota constituting 50.4 percent of the local inhabitants.

SOCIAL FACTS

Individuals who did not graduate from school are very probable to be clients for cash advances. In Bismarck, 6.2% qualify for this group. In Bismarck, North Dakota 6.7% of people are registered not able bodied and thus are entitled to Medicare. Property owners (63.3%) and those who qualified with a higher education are not very probable to avail themselves of short term financing. 7.1% of local inhabitants do not have medical insurance which means the area is more affluent than the United States norms.

ECONOMY FACTS

The most common rental charge is $867.0 falling under the average. The median house price is $245300.0, (above normals for the US). Totalling $30096.0, local retail sales per capita exceed average for the US.
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

        SOCIAL FACTS

        7.1 percent of locals are in need of medical insurance meaning the area is superior to the United States average. Individuals who didn't graduate from school are quite likely to be in the market for payday financing. In Devils Lake, 9.6 percent fall into this group. Homeowners (46.2 percent) and those who have a bachelor education are not likely to need quick cash loans. In Devils Lake, North Dakota 14.9 percent of residents are reported as disabled and thus are eligible for federal support.

        AGE AND SEX

        Elderly people consist a huge 22.2 percent of the populace, implying Devils Lake is an extremely old aged city. Children less than 18 years old embody 20.8% of the local inhabitants. The rate of births in Devils Lake is under the nationwide average at 5.8 percent.

        ECONOMY FACTS

        The median rent cost is $566.0 falling under the average. The average house cost is $138600.0, (below normals for the US). Totalling $38551.0, retail sales per capita are above normal for the country.

        POPULATION

        The freshest population number for Devils Lake, located in North Dakota is 7,320 a rise of 2.3% over 2010. The populace is biased in favor of male in gender with females in Devils Lake, North Dakota making up 49.8% of the populace.
        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 median rental cost is $917.0 falling beneath US norms. The median real estate price is $238000.0, (outstripping the median for the US). $38702.0, local retail sales per capita beat the median nationally.

        POPULATION

        The freshest population count for Dickinson, located in North Dakota is 23,133 rising 29.4% over 2010. People are a little biased towards men with females in Dickinson, North Dakota constituting 48.9% of the locals.

        SOCIAL FACTS

        People who haven't succeeded to graduate from secondary education are more probable to be customers for high interest loans. In Dickinson, 10.1% qualify for this bracket. 11.3 percent of the population need health insurance and this is poorer than the US mean. Those possessing their property (52.4 percent) and those who have a university education are not probable to make use of quick cash loans. In Dickinson, North Dakota 6.2 percent of the population are recorded as disabled and as a result make the grade for federal health insurance.

        AGE AND SEX

        Senior citizens make up a small 11.3% of the residents, suggesting Dickinson is a young locale. Youngsters under 18 years old embody 24.9 percent of the local inhabitants. The birth rate in Dickinson is higher than US norms at 8.2%.
        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

        AGE AND SEX

        The aged make up a low 11.9 percent of the local inhabitants, implying Fargo is a young place. Children under 18 consist 20.0% of the residents. The rate of births in Fargo is above the US average at 6.7%.

        ECONOMY FACTS

        the average rental figure is $823.0 putting the area under US norms. The most common real estate price is $212100.0, (beneath the median for the US). $30060.0, local retail sales per person beat normal nationally.

        POPULATION

        Residents are slightly biased towards male in gender with females in Fargo, North Dakota constituting 49.1 percent of the locals. The freshest population number for Fargo, North Dakota is 124,662 growing 18.0% compared with 2010.

        SOCIAL FACTS

        People who didn't finish secondary education are more likely to make use of small dollar loans. In Fargo, 5.7% belong to this classification. In Fargo, North Dakota 6.5 percent are registered as handicapped and thus are eligible for the federal health program. 7.3% of locals don't have a medical plan which is more favorable than the US norms. Individuals owning property (43.6 percent) and individuals who achieved a degree are not very likely to use cash advances.
        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 elderly make up a typical 12.0 percent of the residents, suggesting Grand Forks is a demographically routine location. Kids under 18 consist 19.5% of the locals. The growth in youngsters in Grand Forks is higher than nationwide norms at 6.4%.

            ECONOMY FACTS

            the average rent charge is $811.0 falling beneath the US median. The average house ticket is $210300.0, (beneath the median for the US). At $28093.0, B2C sales per capita beat normal for the country.

            POPULATION

            Residents are slightly in favor of male in gender with females in Grand Forks, North Dakota comprising 48.0 percent of the populace. The most current population survey for Grand Forks in the state of North Dakota is 55,839 growing 5.5% compared with 2010.

            SOCIAL FACTS

            Individuals who haven't succeeded to finish school are very probable to make use of short term loans. In Grand Forks, 4.9 percent fall into this category. 7.5% of local inhabitants do not have health insurance. This is better than the United States norms. In Grand Forks, North Dakota 7.3 percent of residents are qualified as disabled and accordingly pass for federal support. Homeowners (43.6%) and individuals who have a higher education are least likely to use usury.
            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

            AGE AND SEX

            Seniors consist a high 18.4% of the local inhabitants, hinting Jamestown is a retirement location. Youth under 18 consist 19.4% of the population. The rate of births in Jamestown is less than the nationwide average at 5.7 percent.

            SOCIAL FACTS

            10.6% of locals are in need of health insurance meaning the area is inferior to the United States norm. In Jamestown, North Dakota 11.0% of the locals are qualified not able bodied and accordingly make the grade for federal health support. Home owners (57.3%) and individuals possessing a higher education degree are not probable to be in the market for cash advances. People who did not finish basic education are very likely to use high interest loans. In Jamestown, 9.9 percent are part of this basket.

            POPULATION

            The newest population survey for Jamestown in North Dakota is 15,084 dwindling by -2.2% over 2010.People are more male with women in Jamestown, North Dakota comprising 49.7 percent of the residents.

            ECONOMY FACTS

            The typical rental figure is $680.0 putting the area below the national median. The most common property price is $144800.0, (< normals nationally). At $23576.0, local retail sales per head are greater than the median for the US.
            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

            POPULATION

            The most current population for Mandan, located in North Dakota is 22,752 increasing by 20.6% over 2010. People are biased in favor of male in gender with women in Mandan, North Dakota constituting 49.9 percent of the residents.

            SOCIAL FACTS

            6.5% of local inhabitants need a health plan which means the area is more affluent than the national norm. People with title to their property (64.9 percent) and individuals who achieved a university education are less probable to make use of short term loans. In Mandan, North Dakota 5.5% are reported disabled and thus are eligible for federal health insurance. Individuals who have not succeeded to finish school are very probable to make use of payday advances. In Mandan, 8.2 percent fall into this class.

            ECONOMY FACTS

            The typical rental cost is $868.0 dropping below the average. The median property price is $215300.0, (below average nationally). Totalling $26992.0, retail sales per head outstrip average for the country.

            AGE AND SEX

            The growth in youngsters in Mandan is above nationwide norms at 6.0 percent. The aged embody an ordinary 14.7% of the locals, suggesting Mandan is a quintessential locale. Youngsters under 18 years of age comprise 21.7 percent of the residents.
            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 most recent population for Minot, North Dakota is 47,382 escalating 15.3% compared with 2010. Locals are a little in favor of male with women in Minot, North Dakota constituting 48.1 percent of the local inhabitants.

              ECONOMY FACTS

              The typical rental figure is $918.0 putting the area below the national average. The median property cost is $208700.0, (beneath average for the country). At $38556.0, B2C sales per person are higher than average for the US.

              SOCIAL FACTS

              Homeowners (56.7%) and individuals who qualified with a higher education degree are not likely to apply for usury. In Minot, North Dakota 7.7 percent of residents are qualified not able bodied and therefore are entitled to federal insurance. Individuals who have not succeeded to finish elementary education are quite probable to need usury. In Minot, 6.8 percent are in this bracket. 8.2% of locals need a health plan. This is superior to the United States mean.

              AGE AND SEX

              Seniors make up a routine 13.0 percent of the local inhabitants, suggesting Minot is a classic locale. Kids below 18 years of age make up 21.5 percent of the local inhabitants. The growth in youngsters in Minot is over the nationwide average at 6.9%.
              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

                Totalling $17379.0, local retail sales per person better average nationally. The most common rental figure is $677.0 falling beneath the nationwide average. The most common property cost is $133600.0, (under normals nationally).

                POPULATION

                The newest population for Valley City in North Dakota is 6,323 a fall of -4.9% since 2010.The Population is biased in favor of female in gender with women in Valley City, North Dakota constituting 52.1% of the local inhabitants.

                AGE AND SEX

                The aged consist an enormous 21.4% of the residents, suggesting Valley City is an extremely old aged town. Children less than 18 years old consist 16.7 percent of the local inhabitants. The growth in youngsters in Valley City is less than normal for the US at 4.1%.

                SOCIAL FACTS

                Homeowners (59.0%) and people who have a bachelor degree are least likely to be the market for cash advances. In Valley City, North Dakota 10.9% are qualified as handicapped and consequently are eligible for Medicare. 6.1 percent of residents have no medical insurance. This is more favorable than the US norm. People who have not succeeded to finish school are more likely to be in the market for payday financing. In Valley City, 9.2% are part of this basket.
                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

                  AGE AND SEX

                  The rate of births in Wahpeton is beneath the US average at 5.1 percent. Senior citizens make up a typical 14.9 percent of the residents, suggesting Wahpeton is a quintessential area. Children under 18 years of age embody 18.7% of the residents.

                  SOCIAL FACTS

                  4.6 percent of residents do not have health insurance which means the area is better than the United States mean. Homeowners (51.5 percent) and those possessing a bachelor qualification are least likely to want short term financing. Individuals who have not succeeded to finish school are more likely to be in the market for salary loans. In Wahpeton, 12.1% are in this category. In Wahpeton, North Dakota 8.7% of locals are qualified as not able bodied and therefore pass for federal support.

                  POPULATION

                  The newest population number for Wahpeton, North Dakota is 7,734 dropping by -0.4% compared with 2010.People are slightly in favor of men with females in Wahpeton, North Dakota making up 45.6% of the local inhabitants.

                  ECONOMY FACTS

                  The most common rent payment is $669.0 which is beneath nationwide norms. The most common real estate cost is $123300.0, (under average nationally). At $19453.0, B2C sales per person exceed normal 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

                    $0.0, B2C sales per capita are inferior to normal for the country. The median rent charge is $1143.0 surpassing the median. The median real estate price is $236400.0, (> the median for the country).

                    AGE AND SEX

                    The rate of births in Watford City is greater than the US average at 13.4%. The elderly make up a monority 10.2% of the local inhabitants, hinting Watford City is a vigorous locale. Youngsters under 18 comprise 27.9 percent of the residents.

                    SOCIAL FACTS

                    Those who have not succeeded to finish school are quite likely to be in the market for small dollar loans. In Watford City, 10.0 percent fall into this category. Property owners (45.3 percent) and individuals with a degree are not very probable to need cash advances. In Watford City, North Dakota 4.6% of residents are qualified as handicapped and as a result make the grade for Medicare. 14.8% of the populace don't have a medical plan which is poorer than the United States norms.

                    POPULATION

                    The most current population count for Watford City in the state of North Dakota is 7,835 an increase of 336.0% since 2010. The populace is slightly biased towards male with females in Watford City, North Dakota comprising 49.9 percent of the local inhabitants.
                    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

                      ECONOMY FACTS

                      Totalling $13604.0, local retail sales per head are greater than average nationally. The median rental cost is $920.0 putting the area beneath the nationwide median. The median property price is $241000.0, (surpassing average for the country).

                      AGE AND SEX

                      People over 65 embody a lowly 8.7 percent of the residents, suggesting West Fargo is a youthful area. Children under 18 years old comprise 27.7 percent of the populace. The rate of births in West Fargo is greater than the national average at 8.7 percent.

                      POPULATION

                      Locals are slightly in favor of female in gender with women in West Fargo, North Dakota constituting 50.2 percent of the population. The freshest population count for West Fargo in North Dakota is 37,058 a rise of 43.4% compared with 2010.

                      SOCIAL FACTS

                      Individuals owning property (65.8%) and those possessing a bachelor qualification are less likely to be customers for payday loans. Those who didn't graduate from elementary education are most likely to be the market for cash advances. In West Fargo, 3.1% fall into this grouping. In West Fargo, North Dakota 5.7 percent of locals are recorded as handicapped and thus may use federal health insurance. 5.1 percent of residents do not have a health plan which is superior to the US norms.
                      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

                      ECONOMY FACTS

                      The typical rental figure is $964.0 putting the area below the nationwide average. The most common property cost is $238700.0, (exceeding normals for the US). $36902.0, B2C sales per head beat the median for the US.

                      AGE AND SEX

                      Senior citizens consist a low 7.9% of the residents, implying Williston is a young location. Kids under 18 years of age make up 27.3% of the populace. The rate of births in Williston is higher than US norms at 9.0%.

                      SOCIAL FACTS

                      15.1% of the population need a medical plan which means the area is less favorable than the national mean. In Williston, North Dakota 8.2% of the population are qualified as disabled and thus are entitled to federal support. Homeowners (46.1%) and people who achieved a bachelor education are not very likely to be clients for payday loans. Those who have not succeeded to finish elementary education are quite probable to apply for high interest loans. In Williston, 9.4 percent are in this class.

                      POPULATION

                      The Population is biased in favor of men with women in Williston, North Dakota comprising 45.4% of the local inhabitants. The newest population survey for Williston in North Dakota is 29,033 rising 82.1% over 2010.
                      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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