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Payday Loans in North Dakota — Laws, Limits & Online Lenders

Compare licensed payday lenders in North Dakota. One application, multiple offers, no credit impact.

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2 Compare Offers
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North Dakota Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 520%
Max Term 60 days
Rollovers Extended payment plan available
Cooling-Off Period None
Governing Statute N.D. Cent. Code § 13-08

How to Get a Payday Loan in North Dakota

Getting a payday loan in North Dakota is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of North Dakota-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for North Dakota Borrowers

  • Must be 18 years or older (resident of North Dakota)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in North Dakota

Under N.D. Cent. Code § 13-08, payday lenders in North Dakota may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — North Dakota may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our North Dakota and other state payday loan laws.

Payday Loans by City in North Dakota

Select your city for local payday loan information, lender options, and North Dakota regulations that apply to your area.

Fargo Bismarck Grand Forks Minot West Fargo

North Dakota Payday Loan FAQ

Are payday loans legal in North Dakota?

Yes. Payday loans are legal in North Dakota under N.D. Cent. Code § 13-08. Lenders must be licensed by the state banking regulator.

How much can I borrow in North Dakota?

The maximum payday loan amount in North Dakota is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in North Dakota?

The maximum APR for payday loans in North Dakota is approximately 520%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in North Dakota?

Extended payment plan available

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