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North Dakota Payday Loans and Lenders

Here at Payday Today, we are proud to offer payday loans to the people of North Dakota. The Payday Lending Industry is booming; lending locations are strategically placed all over the state for your convenience. But before you hop in the car and speed off to your nearest location, take a minute to check us out. We are proud to offer our customers a quick and painless service. The application only takes a minute or two to fill out, and the funds are in your bank account the morning after you apply, ready to catch all those checks that otherwise would have bounced. We offer a variety of loans, including a no-fax option. Since you’re already here, why not take a minute to…

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North Dakota Payday Lending Alternatives

The payday loan is an excellent solution for short term financial problems. If your financial problems are more profound, we suggest checking out our personal loan, debt consolidation, credit card, or credit counseling programs. They may be a better fit for your situation.

North Dakota Payday Lending Laws

North Dakota’s payday lending laws are fairly consistent with other states that allow payday lending. One marked difference is that the maximum term allowed for a payday loan is sixty days, instead of the usual thirty days. There is no minimum lending amount, but the maximum lending amount is $600. North Dakota lenders charge a 20% interest rate, which means that for every $100 dollars loaned, the lender charges an extra $20 which he/she keeps. This figure creates an APR of 520%.

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Number of Payday Lenders in North Dakota

According to a fairly recent survey, there are at least 76 payday lending locations in the state of North Dakota. However, considering the current growth rate of the industry, it is safe to assume that there are currently more than 76 locations.

North Dakota Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in North Dakota in January 2006 was 4.2, which means that 14,909 residents of North Dakota were unemployed at that time. In January 2005, the unemployment rate was 4.3, which is not a significant change for a year’s time. Over the past ten years, the unemployment rate has not risen above 4.6, nor fallen below 1.7.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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