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North Dakota Payday Loans up to $500
Apply for an instant cash advance in North Dakota now to get the money asap.
North Dakota Payday Loans are perfect if you are short of money and looking for a quick short-term loan. Unsecured, available even for bad credit Payday Loans may be a perfect solution. Just fill out a free Compacom form and get matched with a lender to receive the money you need. Compare the best deals lenders offer here online or find a loan store location near you. We won’t leave you unsatisfied!
Apply for Payday Loans in North Dakota from the Best Direct Lenders Online or find a Loan Store near your location.
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North Dakota Payday Loans Near Me
Are Payday Loans Legal in North Dakota?
Loan Rates and Fees, Laws and Regulations in North Dakota.
Payday Loans in the amount of $500 are legal in North Dakota (N.D. Cent. Code 13-08-01 et seq.1). Its residents can also get $1000 - $5000 Installment and $5000 - $35000 Personal cash advance. The maximum repayment term for short-term loans is 60 days. The Average Percentage Rate shouldn’t exceed 520%. The finance rate is 20% plus a databasing fee. Borrowers can get one rollover. But you’ll have to pay about 20% of the amount to renew it. And there must be a 3-day cooling-off period between the loans. A $20 NSF fee can be charged.
Law status | legal |
MIN Loan Amount | $100 |
MAX Loan Amount | $500 |
MIN. Loan Term | 14 days |
MAX. Loan Term | 60 days |
MAX APR | 520% |
Additional fees | 20%, plus database fee |
NSF fee | $20 |
Collateral or guarantor | None, unsecured |
Number of simultaneous loans | Not stated |
Cooling off period | 3 days |
Rollover | one rollover |
Extension, repayment plan | Not allowed |
Default penalties | Criminal actions are prohibited |
Credit score requirements | Available for Bad Credit |
PayDay Loan Calculator
Before you apply for a short-term cash advance online consider other Payday Loan alternatives:
- Installment Loans and Personal Loans online
- Debt Consolidation Loans, Credit Builder Loans, Credit Cards
- Social services and local assistance programs
- Additional part-time jobs or some side gigs and freelance opportunities to earn extra cash
- Recycling for money
- Help from your employer, creditors, family and friends
- Traditional banks or credit unions.
Applying for a short-term Payday Loan you should be very careful and responsible. Plan your budget carefully not to default on the loan. Avoid rollovers, renewals, or extensions. It'll help you get out of Payday debt fast and easy.
Apply for Online Payday Loans and get instant decision from top lending organizations
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It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.
The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents the cost of your loan charged for a month. It's more important for the customer as mostly Payday loan are borrowed for a month term and paid off with the next paycheck.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.
The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.
Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.
Online Payday Loans in North Dakota
Any resident of North Dakota can apply for a Payday Loan both online and in-store. But, of course, online lending is becoming more and more popular as it has plenty of advantages:
- it gives you a chance to compare a lot of different offers at once,
- you can avoid driving, doing paperwork and waiting in lines,
- applying is free and simple,
- you have very high chances of approval even with a bad credit score,
- you can find some lenders ready to give you the loan with no credit check,
- it's available 24 / 7.
To get a short-term loan in ND it's necessary to follow the three easy steps:
- Online application
- Loan processing and approval
- Money direct deposit into your banking account
Every step is simple, safe and is going to take you the shortest time possible.
Requirements to qualify for a Payday Loan in North Dakota:
What do I need to qualify for a short-term cash advance?
Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:
- North Dakota (US) residence
- Minimum regular income of $1,000 per month
- Valid checking or savings account with direct deposit
- Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
- Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
- If applying Online, you must provide a valid Social Security Number
- If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
- If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.
References
1. North Dakota Legislative Branch - https://www.legis.nd.gov/
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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.