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Best Loans in North Dakota, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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North Dakota does not regulate traditional installment loans.

APRs are capped at:

  • 2 ½% per month on the first $250
  • 2% per month on amounts > $250 but ≤ $500
  • 1 ¾% per month on amounts > $500 but ≤ $750
  • 1 ½% per month on amounts > $750 but ≤ $1,000

Licensed lenders can also levy a deferment charge – if the loan is deferred one or more full months – of one-twelfth of the finance charges listed above.

Best Bad Credit Loans in North Dakota 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in North Dakota

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in North Dakota

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in North Dakota

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in North Dakota

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in North Dakota

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in North Dakota

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in North Dakota

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in North Dakota

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in North Dakota

Not a direct lender

If you need help choosing between lenders , see our comprehensive guide on bad credit loans.

Best Personal Loans for Good Credit in North Dakota 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in North Dakota

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in North Dakota

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in North Dakota

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in North Dakota

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in North Dakota

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in North Dakota

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in North Dakota

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in North Dakota

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in North Dakota

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in North Dakota

Yes

For more great companies, check out our full list of recommended lenders.

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Payday Loan Laws in North Dakota 2020

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 60 days

Maximum Fee: 20% of the amount borrowed

Maximum APR: Averages 487%

Rollovers: Allowed

Loan Limit: No limit

Payday loans are legal in North Dakota.

The Deferred Presentment Service Providers Act requires licensed lenders to cap payday loans at $500. However, there is a $600 limit on the combined balance of outstanding loans. The act states, “A licensee may not engage in a deferred presentment service transaction with a customer who has an aggregate value of all outstanding obligations from any one customer exceeding $600 which is payable to the same or any other licensee.” As well, licensed lenders are required to wait at least three business days before issuing another payday loan to the same borrower.

Finance charges are capped at 20% of the amount borrowed and terms cannot exceed 60 days. Rollovers are permitted, however, fees cannot exceed 20% of the amount renewed and the new loan term cannot be less than 15 calendar days.

Payday Loan Laws in North Dakota by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of North Dakota.

CityAmount AllowedAPR AllowedStatus
Fargo$500487%Legal
Bismarck$500487%Legal
Grand Forks$500487%Legal
Minot$500487%Legal
West Fargo$500487%Legal
Williston$500487%Legal
Dickinson$500487%Legal
Mandan$500487%Legal
Jamestown$500487%Legal
Wahpeton$500487%Legal
Devils Lake$500487%Legal
Valley City$500487%Legal
Watford City$500487%Legal
Minot AFB$500487%Legal
Grafton$500487%Legal
Lincoln$500487%Legal
Beulah$500487%Legal

Best Auto Loans for Bad Credit in North Dakota 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in North Dakota

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in North Dakota

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in North Dakota

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in North Dakota

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in North Dakota

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in North Dakota

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in North Dakota

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in North Dakota

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in North Dakota

Yes

Best Auto Loans for Good Credit in North Dakota 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in North Dakota

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in North Dakota

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in North Dakota

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in North Dakota

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in North Dakota

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in North Dakota

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in North Dakota

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in North Dakota

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in North Dakota

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in North Dakota

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in North Dakota

Yes

FHA Loans in North Dakota

North Dakota has 53 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Adams County to a high of $652,400 for a 4-bedroom unit in Billings County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Adams County$331,760$638,100
Barnes County$331,760$638,100
Benson County$331,760$638,100
Billings County$339,250$652,400
Bottineau County$331,760$638,100
Bowman County$331,760$638,100
Burke County$331,760$638,100
Burleigh County$331,760$638,100
Cass County$331,760$638,100
Cavalier County$331,760$638,100
Dickey County$331,760$638,100
Divide County$331,760$638,100
Dunn County$331,760$638,100
Eddy County$331,760$638,100
Emmons County$331,760$638,100
Foster County$331,760$638,100
Golden Valley County$331,760$638,100
Grand Forks County$331,760$638,100
Grant County$331,760$638,100
Griggs County$331,760$638,100
Hettinger County$331,760$638,100
Kidder County$331,760$638,100
Lamoure County$331,760$638,100
Logan County$331,760$638,100
Mchenry County$331,760$638,100
Mcintosh County$331,760$638,100
Mckenzie County$331,760$638,100
Mclean County$331,760$638,100
Mercer County$331,760$638,100
Morton County$331,760$638,100
Mountrail County$331,760$638,100
Nelson County$331,760$638,100
Oliver County$331,760$638,100
Pembina County$331,760$638,100
Pierce County$331,760$638,100
Ramsey County$331,760$638,100
Ransom County$331,760$638,100
Renville County$331,760$638,100
Richland County$331,760$638,100
Rolette County$331,760$638,100
Sargent County$331,760$638,100
Sheridan County$331,760$638,100
Sioux County$331,760$638,100
Slope County$331,760$638,100
Stark County$339,250$652,400
Steele County$331,760$638,100
Stutsman County$331,760$638,100
Towner County$331,760$638,100
Traill County$331,760$638,100
Walsh County$331,760$638,100
Ward County$331,760$638,100
Wells County$331,760$638,100
Williams County$331,760$638,100

Business Loans in North Dakota

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in North Dakota

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in North Dakota

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in North Dakota

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in North Dakota

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in North Dakota

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in North Dakota

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in North Dakota

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in North Dakota

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in North Dakota

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in North Dakota

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in North Dakota

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in North Dakota

Yes

All Licensed Credit Unions in North Dakota

NameCitySize (Millions)Members
FIRST COMMUNITY CREDIT UNIONJamestown$381.1830670
CAPITAL CREDIT UNIONBismarck$285.6622596
WESTERN COOPERATIVE CREDIT UNIONWilliston$284.5520504
TOWN AND COUNTRY CREDIT UNIONMinot$296.9115856
NORTHERN TIER FEDERAL CREDIT UNIONMinot$96.2811307
CITIZENS COMMUNITY CREDIT UNIONDevils Lake$124.629131
DAKOTA WEST CREDIT UNIONWatford City$159.308757
NORTH STAR COMMUNITY CREDIT UNIONMaddock$130.428730
PRAIRIE FEDERAL CREDIT UNIONMinot$93.957512
COMMUNITY CREDIT UNIONNew Rockford$148.426012
RAILWAY CREDIT UNIONMandan$60.014200
UNITED SAVINGS CREDIT UNIONFargo$36.043854
VUE COMMUNITY CREDIT UNIONBismarck$36.223701
UNIVERSITY FEDERAL CREDIT UNIONGrand Forks$23.093603
AFFINITY FIRST FEDERAL CREDIT UNIONMinot$39.213220
DAKOTA PLAINS CREDIT UNIONEdgeley$44.263063
FREEDOM COMMUNITY CREDIT UNIONFargo$21.282941
HOMETOWN CREDIT UNIONKulm$66.512884
NORTHLAND EDUCATORS FEDERAL CREDIT UNIONFargo$22.682770
FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNIONFargo$26.582474
AREA COMMUNITY CREDIT UNIONGrand Forks$20.812437
POSTAL FAMILY FEDERAL CREDIT UNIONFargo$16.332348
MED PARK CREDIT UNIONGrand Forks$13.692251
RIVERFORK FEDERAL CREDIT UNIONGrand Forks$18.652118
G.E.M. FEDERAL CREDIT UNIONMinot$21.702109
GENIE-WATT CREDIT UNIONBismarck$14.522014
NEW SALEM CREDIT UNIONNew Salem$19.941783
MINOT AREA SCHOOLS FEDERAL CREDIT UNIONMinot$10.331674
ELM RIVER CREDIT UNIONKindred$19.241597
BURLINGTON NORTHERN GRAND FORK FEDERAL CREDIT UNIONGrand Forks$11.821557
LAMOURE CREDIT UNIONLamoure$19.501523
CITY AND COUNTY EMPLOYEES CREDIT UNIONFargo$10.781469
ASCENTIA FEDERAL CREDIT UNIONMinot$13.921429
FARGO VA FEDERAL CREDIT UNIONFargo$7.871253
DAKOTA TELCO FEDERAL CREDIT UNIONFargo$18.551201
NORIDIAN EMPLOYEES CREDIT UNIONFargo$4.221181
FLASHER COMMUNITY CREDIT UNIONFlasher$6.62841
F.F.E. FEDERAL CREDIT UNIONFargo$4.55577
TEL-U-WATT FEDERAL CREDIT UNIONMinot$4.01459
LISBON FARMERS UNION CREDIT UNIONLisbon$4.86286
TOLNA CO OP FEDERAL CREDIT UNIONTolna$1.24236
NORTHERN STS PWR COMPANY EMP FEDERAL CREDIT UNIONGrand Forks$1.16125

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