Payday loans in Minot, ND
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Minot, ND.
The median household in Minot earns $73,219 a year, about the same as the North Dakota median of $76,657. About 11% of residents live below the federal poverty line, and 43.3% of households rent their home. When an unexpected bill hits before payday, Minot residents can request $100 to $1,000 online in minutes.
North Dakota law that applies in Minot
| Maximum loan | A lender may not give you more than $500 in one payday loan. |
|---|---|
| Fee cap | The fee may not be more than 20% of the amount the lender pays you. |
| Rollovers | A loan may be renewed only once. |
| Loans at once | Your total outstanding payday loans with all licensed lenders may not exceed $600. |
| 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. |
Full rules with statute citations: Payday Loans in North Dakota. Cities in North Dakota cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Minot
Lenders that serve Minot typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Minot
What Minot borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a payday loan in Minot
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve North Dakota.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
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.
Banks and credit unions in the area
Banks with branches in Minot
16 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Western Bank & Trust | 3 | 900 S Broadway, Minot 58701 |
| First International Bank & Trust | 3 | 1600 S Broadway, Minot 58701 |
| Old National Bank | 2 | 1615 36th Ave Sw, Minot 58701 |
| Gate City Bank | 2 | 1017 S Broadway, Minot 58701 |
| Wells Fargo Bank, National Association | 1 | 3106 16th St Sw, Minot 58701 |
| Bravera Bank | 1 | 925 20th Ave Sw, Minot 58701 |
| U.S. Bank National Association | 1 | 1925 S Broadway, Minot 58701 |
| Dacotah Bank | 1 | 1121 S Broadway, Minot 58701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Minot
13 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Credit Union 1 | 2401 N Broadway, Minot 58703 |
| Town And Country | 615 S Broadway, Minot 58701 |
| North Star Community | 1819 S Broadway, Minot 58701 |
| Aspire Community | 1430 S Broadway, Minot 58701 |
| Affinity First | 811 S Broadway, Minot 58701 |
| Minot Area Schools | 215 2Nd St Se, Minot 58701 |
| Tel-U-Watt | 24 2Nd Ave Se, Minot 58701 |
Source: NCUA credit union branch data, June 30, 2026.
County: Ward County · Personal Loans in Minot
Frequently asked questions
Can I get a payday loan in Minot, ND?
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. You can request one online from Minot through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Minot?
A lender may not give you more than $500 in one payday loan.
How fast can I get a payday loan in Minot?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How much does a payday loan cost in Minot?
The fee may not be more than 20% of the amount the lender pays you. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Minot borrowers in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on North Dakota rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Minot residents can see if they qualify in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Minot? Our form takes about 3 minutes.
Do payday lenders in Minot check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Do I need to visit a store in Minot?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.