Car title loans in North Dakota: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
North Dakota title loan rules at a glance
| Governing law | No dedicated title-lending statute was found. Payday licensees may not take titles to property as a condition of, or to collect, a payday loan. Other lenders are covered by the Money Brokers Act. (N.D.C.C. § 13-08-12(2); ch. 13-04.1) |
|---|---|
| Rate / fee cap | A licensed lender may not charge finance charges above 36% a year, including fees charged at origination. (N.D.C.C. § 13-04.1-09.3(1)) |
Your options in North Dakota
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See North Dakota personal loans.
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 | The title-loan statute covers loans of $1,000 or less. |
| Montana | Not available | — |
| South Dakota | Not available | — |
Personal loans by city in North Dakota
Counties in North Dakota
Show all 53 counties
Also see: Payday Loans in North Dakota · Personal Loans in North Dakota · All North Dakota loan options
Frequently asked questions
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.
What do I need for a title loan in North Dakota?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in North Dakota, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
How much can I get for a title loan in North Dakota?
The amount depends mainly on your vehicle's value, along with your income and North Dakota rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I refinance my title loan in North Dakota?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and North Dakota rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan on a financed car in North Dakota?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving North Dakota will tell you what they can offer.