Payday loans in North Dakota
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
North Dakota payday loan rules at a glance
| Governing law | Deferred presentment service providers must be licensed by the Department of Financial Institutions and follow the transaction rules in chapter 13-08. (N.D.C.C. ch. 13-08 (§§ 13-08-02, 13-08-12)) |
|---|---|
| Maximum loan | A lender may not give you more than $500 in one payday loan. (N.D.C.C. § 13-08-12(3)) |
| Fees / interest cap | 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. (N.D.C.C. § 13-08-12(2)) |
| Minimum term | The statute sets no minimum for the first loan period, but a renewal period may not be shorter than 15 days. (N.D.C.C. § 13-08-12(12)) |
| Maximum term | The total time the check can be held, including the first loan period and one renewal, may not exceed 60 days. (N.D.C.C. § 13-08-12(12)) |
| Rollovers / renewals | A loan may be renewed only once. The renewal fee may not exceed 20% of the amount renewed and must be paid in cash, money order or cashier's check. (N.D.C.C. § 13-08-12(12)) |
| Cooling-off period | A lender may not make you a new payday loan within three business days after you finish paying off a previous one. (N.D.C.C. § 13-08-12(4), (14)) |
| Loans at one time / database | Your total outstanding payday loans with all licensed lenders may not exceed $600. Lenders must check and record every loan in a state database. (N.D.C.C. § 13-08-12(4)) |
| Extended payment plan | If financial hardship keeps you from paying, the lender may agree to a written workout plan with even weekly, biweekly or monthly installments over no more than 12 months, with no added interest or fees. The plan is voluntary for both you and the lender. (N.D.C.C. § 13-08-12(13)) |
| Returned-payment fee | If your check or debit bounces, the lender may charge only the returned-check collection fee allowed by N.D.C.C. § 6-08-16, which caps collection fees or costs at $40. No other default fee is allowed. (N.D.C.C. § 13-08-12(7); § 6-08-16(2)) |
| Criminal charges for bounced check | You cannot face a criminal penalty over the payday check or debit unless your account was already closed on the day of the loan, and the lender may not threaten or pursue criminal charges. (N.D.C.C. § 13-08-12(8)) |
How much will I repay?
North Dakota does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Credit services / credit access businesses
North Dakota does not use a credit services organization model for payday or title loans. Payday loans are made directly by licensed deferred presentment providers. (N.D.C.C. ch. 13-08)
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Minnesota | Legal | A consumer small loan is $350 or less, and one borrower may not owe more than $350 in total on such loans at one time. |
| Montana | Not available | A payday loan must be at least $50 and no more than $300, not counting the fee. |
| South Dakota | Not available | — |
Payday Loans by city in North Dakota
Counties in North Dakota
Show all 53 counties
Also see: Personal Loans in North Dakota · Title Loans in North Dakota · All North Dakota loan options
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.
How many payday loans can you have at once in North Dakota?
Your total outstanding payday loans with all licensed lenders may not exceed $600. Lenders must check and record every loan in a state database.
Can you roll over a payday loan in North Dakota?
A loan may be renewed only once. The renewal fee may not exceed 20% of the amount renewed and must be paid in cash, money order or cashier's check.
Do North Dakota payday lenders have to offer a payment plan?
If financial hardship keeps you from paying, the lender may agree to a written workout plan with even weekly, biweekly or monthly installments over no more than 12 months, with no added interest or fees. The plan is voluntary for both you and the lender.
Can a payday lender press criminal charges in North Dakota?
You cannot face a criminal penalty over the payday check or debit unless your account was already closed on the day of the loan, and the lender may not threaten or pursue criminal charges.
What do I need to get a payday loan in North Dakota?
Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many North Dakota applicants get a decision in minutes.
Do payday loans in North Dakota affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. North Dakota residents can see their options with our 3-minute form.
Can I get a payday loan online in North Dakota?
Yes. You can request a payday loan online from anywhere in North Dakota, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve North Dakota residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
Can I get a payday loan on the weekend in North Dakota?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. North Dakota residents can start a request now; it takes about 3 minutes.