Payday loans in Williston, ND
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Williston, ND.
The median household in Williston earns $79,381 a year, about the same as the North Dakota median of $76,657. About 8% of residents live below the federal poverty line, and 52.9% of households rent their home. When an unexpected bill hits before payday, Williston residents can request $100 to $1,000 online in minutes.
North Dakota law that applies in Williston
| 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 Williston
Here's what to have on hand before you start your payday loan request in Williston:
- 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 Williston
What Williston borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
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 Williston
- 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 Williston
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank & Trust | 2 | 22 4th St E, Williston 58801 |
| American State Bank & Trust Company of Williston | 2 | 223 Main St, Williston 58801 |
| Gate City Bank | 2 | 422 Main St, Williston 58801 |
| First International Bank & Trust | 2 | 19 4th St E, Williston 58801 |
| U.S. Bank National Association | 1 | 202 Main St, Williston 58801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Williston
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 1300 Bison Dr, Williston 58801 |
Source: NCUA credit union branch data, June 30, 2026.
County: Williams County · Personal Loans in Williston
Frequently asked questions
Can I get a payday loan in Williston, 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 Williston through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Williston?
A lender may not give you more than $500 in one payday loan.
How fast can I get a payday loan in Williston?
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.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do payday loans 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. Williston residents can see their options with our 3-minute form.
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. Williston residents can see if they qualify in about 3 minutes.
How do I get a payday loan in Williston, ND?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Williston borrowers can finish the form in about 3 minutes.
Do payday lenders in Williston 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 Williston?
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.