Loans in North Dakota: payday, personal & title loan laws (2026)

In North Dakota, payday loans are legal, car title loans are limited, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 53 counties and 9 cities with 10,000+ residents.

Request a payday loan in North Dakota

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1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Legal

Payday loans (called deferred presentment services) are legal in North Dakota when made by a lender licensed by the Department of Financial Institutions under N.D.C.C.

Personal Loans

36% APR cap (including origination charges) for licensed lenders; loans under $2,000 limited to 36 months with equal payments.

Title Loans Limited

North Dakota has no separate title-loan law.

North Dakota at a glance

784,841

Residents

$76,657

Median household income

411

FDIC bank branches

126

Credit-union branches

Counties in North Dakota

Cities in North Dakota

Fargo Bismarck Grand Forks Minot West Fargo Williston Dickinson Mandan Jamestown

Frequently asked questions

Are payday loans legal in North Dakota?

Payday loans (called deferred presentment services) are legal in North Dakota when made by a lender licensed by the Department of Financial Institutions under N.D.C.C. chapter 13-08.

How much can you borrow with a payday loan in North Dakota?

A lender may not give you more than $500 in one payday loan.

How much do payday loans cost in North Dakota?

The fee may not be more than 20% of the amount the lender pays you. No other fee may be charged, except a fee (no more than the lender's cost) for recording the loan in the state database.

Are title loans legal in North Dakota?

North Dakota has no separate title-loan law. Payday lenders may not take a vehicle title as a condition of a loan, and any licensed consumer lender is limited to a 36% annual finance charge, which rules out typical high-cost title loans.

What interest can title lenders charge in North Dakota?

A licensed lender may not charge finance charges above 36% a year, including fees charged at origination.

Is there a cap on personal loan interest rates in North Dakota?

36% APR cap (including origination charges) for licensed lenders; loans under $2,000 limited to 36 months with equal payments.

Do personal loan lenders need a license in North Dakota?

A money broker license from the Department of Financial Institutions is required to arrange or make loans to North Dakota residents, unless exempt (such as banks and credit unions).