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Payday Loans in North Dakota

Compare licensed lenders • Check ND regulations • Apply online

Last updated: June 2026

Max Loan
$600
Cities Covered
0
Legal Status
Legal
Population
779,094

North Dakota Payday Loan Regulations

Max Loan Amount:$600
Max Term:60 days
Typical APR:520%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in North Dakota are regulated by DFI. Maximum $600 with typical APR 520%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in North Dakota

Payday loans in North Dakota are regulated by DFI. Maximum $600 with typical APR 520%.

North Dakota is located in the Midwest region of the United States with a population of 779,094.

Key Regulations:

  • Maximum APR: 520%
  • Maximum loan amount: $600
  • Maximum term: 60 days
  • Rollovers allowed
  • Regulated by North Dakota Department of Financial Institutions

Regulatory Authority: North Dakota Department of Financial Institutions
Official Website: https://www.nd.gov/dfi/

Representative Example APR in North Dakota

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in North Dakota depend on lender pricing, term length, and state compliance limits.

Cities in North Dakota

Browse all 0 city pages in North Dakota

Frequently Asked Questions – North Dakota

Are payday loans legal in North Dakota?
Yes, payday loans are legal in North Dakota. The state is regulated by the North Dakota Department of Financial Institutions, which oversees all payday lenders. Payday loans in North Dakota are regulated by DFI. Maximum $600 with typical APR 520%.
What is the maximum payday loan amount in ND?
The maximum payday loan amount in North Dakota is $600. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in North Dakota?
In North Dakota, payday loans typically have a maximum term of 60 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in ND?
Payday loans in North Dakota are regulated by DFI. Maximum $600 with typical APR 520%.
How do I find licensed payday lenders in North Dakota?
All payday lenders in North Dakota must be licensed by the North Dakota Department of Financial Institutions. You can verify a lender's license at https://www.nd.gov/dfi/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in ND?
Most North Dakota payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in North Dakota?
In North Dakota, the maximum APR is 520%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in ND?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in North Dakota may change. Always verify current regulations with the North Dakota Department of Financial Institutions before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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