Best Loans In North Dakota, Payday, Auto Title Laws 2020 - Elite Personal Finance
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Best Loans In North Dakota, Payday, Auto Title Laws 2020

EPF Last Update: January 21, 2020
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North Dakota does not regulate traditional installment loans. However, its Money Brokers Act requires licensed lenders to cap loans at $1,000 and terms at 24 ½ months.

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 

Amount

$500 – $5,000

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 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 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

Lender:Min Credit Score:Loan Amount:APR:Licensed in North Dakota:
BadCreditLoans0$500 – $5,0005.99% – 35.99%Not a direct lender
CashUSA0$500 – $5,0005.99% – 35.99%Not a direct lender
Opploans0$1,000 – $4,00099% – 199%Yes
PersonalLoans580$1,000 – $35,0005.99% – 35.99%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 

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

6.95% - 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

6.98% – 35.89%

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

Lender:Min Credit Score:Loan Amount:APR:Licensed in North Dakota:
Payoff640$5,000 – $35,0005.99% – 24.99%Yes
Upstart620$1,000 – $50,0007.46% – 35.99%Yes
PersonalLoans580$1,000 – $35,0005.99% – 35.99%Not a direct lender
LendingTree500$1,000 – $35,0003.99% – 35.99%Yes

For more great companies, check out our full list of recommended lenders. You can also trust SuperMoney. It’s a great place to find and compare loans.

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Payday Loans in North Dakota

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.

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