Advertiser Disclosure

Best Loans in North Dakota, Payday, Auto Title Laws of January 2025

Elite Personal Finance
Last Update: December 1, 2024 • Loans By State •
Best Loans in All States

Personal Loans

Bad Credit Loans

Debt Consolidation Loans

Auto Loans

Student Loans

Mortgage Loans

Business Loans

Shop Around

North Dakota does not regulate traditional installment loans.

APRs are capped at:

  • 2 ½% per month on the first $250
  • 2% per month on amounts > $250 but ≤ $500
  • 1 ¾% per month on amounts > $500 but ≤ $750
  • 1 ½% per month on amounts > $750 but ≤ $1,000

Licensed lenders can also levy a deferment charge – if the loan is deferred one or more full months – of one-twelfth of the finance charges listed above.

Best Bad Credit Loans in North Dakota of January 2025

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in North Dakota:

Yes
Get started

If you need help choosing between lenders, see our comprehensive guide on bad credit loans.

Best Personal Loans for Good Credit in North Dakota of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in North Dakota:

Yes
Get started

Payday Loan Laws in North Dakota of January 2025

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 60 days

Maximum Fee: 20% of the amount borrowed

Maximum APR: Averages 487%

Rollovers: Allowed

Loan Limit: No limit

Payday loans are legal in North Dakota.

The Deferred Presentment Service Providers Act requires licensed lenders to cap payday loans at $500. However, there is a $600 limit on the combined balance of outstanding loans. The act states, “A licensee may not engage in a deferred presentment service transaction with a customer who has an aggregate value of all outstanding obligations from any one customer exceeding $600 which is payable to the same or any other licensee.” Also, licensed lenders must wait at least three business days before issuing another payday loan to the same borrower.

Finance charges are capped at 20% of the amount borrowed, and terms cannot exceed 60 days. Rollovers are permitted, but fees cannot exceed 20% of the amount renewed, and the new loan term cannot be less than 15 calendar days.

Payday Loan Laws in North Dakota by Country of January 2025

ElitePersonalFinance analysis of payday loan laws by countries in the State of North Dakota.

City: Amount Allowed: APR Allowed: Status:
Fargo $500 487% Legal
Bismarck $500 487% Legal
Grand Forks $500 487% Legal
Minot $500 487% Legal
West Fargo $500 487% Legal
Williston $500 487% Legal
Dickinson $500 487% Legal
Mandan $500 487% Legal
Jamestown $500 487% Legal
Wahpeton $500 487% Legal
Devils Lake $500 487% Legal
Valley City $500 487% Legal
Watford City $500 487% Legal
Minot AFB $500 487% Legal
Grafton $500 487% Legal
Lincoln $500 487% Legal
Beulah $500 487% Legal

Best Auto Loans for Bad Credit in North Dakota of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in North Dakota:

Yes
Get started

Best Auto Loans for Good Credit in North Dakota of January 2025

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in North Dakota:

Yes
Get started

FHA Loans in North Dakota of January 2025

North Dakota has 53 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Adams County to a high of $652,400 for a 4-bedroom unit in Billings County.

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
Adams County $331,760 $638,100
Barnes County $331,760 $638,100
Benson County $331,760 $638,100
Billings County $339,250 $652,400
Bottineau County $331,760 $638,100
Bowman County $331,760 $638,100
Burke County $331,760 $638,100
Burleigh County $331,760 $638,100
Cass County $331,760 $638,100
Cavalier County $331,760 $638,100
Dickey County $331,760 $638,100
Divide County $331,760 $638,100
Dunn County $331,760 $638,100
Eddy County $331,760 $638,100
Emmons County $331,760 $638,100
Foster County $331,760 $638,100
Golden Valley County $331,760 $638,100
Grand Forks County $331,760 $638,100
Grant County $331,760 $638,100
Griggs County $331,760 $638,100
Hettinger County $331,760 $638,100
Kidder County $331,760 $638,100
Lamoure County $331,760 $638,100
Logan County $331,760 $638,100
Mchenry County $331,760 $638,100
Mcintosh County $331,760 $638,100
Mckenzie County $331,760 $638,100
Mclean County $331,760 $638,100
Mercer County $331,760 $638,100
Morton County $331,760 $638,100
Mountrail County $331,760 $638,100
Nelson County $331,760 $638,100
Oliver County $331,760 $638,100
Pembina County $331,760 $638,100
Pierce County $331,760 $638,100
Ramsey County $331,760 $638,100
Ransom County $331,760 $638,100
Renville County $331,760 $638,100
Richland County $331,760 $638,100
Rolette County $331,760 $638,100
Sargent County $331,760 $638,100
Sheridan County $331,760 $638,100
Sioux County $331,760 $638,100
Slope County $331,760 $638,100
Stark County $339,250 $652,400
Steele County $331,760 $638,100
Stutsman County $331,760 $638,100
Towner County $331,760 $638,100
Traill County $331,760 $638,100
Walsh County $331,760 $638,100
Ward County $331,760 $638,100
Wells County $331,760 $638,100
Williams County $331,760 $638,100

Business Loans in North Dakota of January 2025

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Dakota:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in North Dakota:

Yes
Get started

All Licensed Credit Unions in North Dakota of January 2025

Name: City: Size (Millions): Members:
FIRST COMMUNITY CREDIT UNION Jamestown $381.18 30670
CAPITAL CREDIT UNION Bismarck $285.66 22596
WESTERN COOPERATIVE CREDIT UNION Williston $284.55 20504
TOWN AND COUNTRY CREDIT UNION Minot $296.91 15856
NORTHERN TIER FEDERAL CREDIT UNION Minot $96.28 11307
CITIZENS COMMUNITY CREDIT UNION Devils Lake $124.62 9131
DAKOTA WEST CREDIT UNION Watford City $159.30 8757
NORTH STAR COMMUNITY CREDIT UNION Maddock $130.42 8730
PRAIRIE FEDERAL CREDIT UNION Minot $93.95 7512
COMMUNITY CREDIT UNION New Rockford $148.42 6012
RAILWAY CREDIT UNION Mandan $60.01 4200
UNITED SAVINGS CREDIT UNION Fargo $36.04 3854
VUE COMMUNITY CREDIT UNION Bismarck $36.22 3701
UNIVERSITY FEDERAL CREDIT UNION Grand Forks $23.09 3603
AFFINITY FIRST FEDERAL CREDIT UNION Minot $39.21 3220
DAKOTA PLAINS CREDIT UNION Edgeley $44.26 3063
FREEDOM COMMUNITY CREDIT UNION Fargo $21.28 2941
HOMETOWN CREDIT UNION Kulm $66.51 2884
NORTHLAND EDUCATORS FEDERAL CREDIT UNION Fargo $22.68 2770
FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION Fargo $26.58 2474
AREA COMMUNITY CREDIT UNION Grand Forks $20.81 2437
POSTAL FAMILY FEDERAL CREDIT UNION Fargo $16.33 2348
MED PARK CREDIT UNION Grand Forks $13.69 2251
RIVERFORK FEDERAL CREDIT UNION Grand Forks $18.65 2118
G.E.M. FEDERAL CREDIT UNION Minot $21.70 2109
GENIE-WATT CREDIT UNION Bismarck $14.52 2014
NEW SALEM CREDIT UNION New Salem $19.94 1783
MINOT AREA SCHOOLS FEDERAL CREDIT UNION Minot $10.33 1674
ELM RIVER CREDIT UNION Kindred $19.24 1597
BURLINGTON NORTHERN GRAND FORK FEDERAL CREDIT UNION Grand Forks $11.82 1557
LAMOURE CREDIT UNION Lamoure $19.50 1523
CITY AND COUNTY EMPLOYEES CREDIT UNION Fargo $10.78 1469
ASCENTIA FEDERAL CREDIT UNION Minot $13.92 1429
FARGO VA FEDERAL CREDIT UNION Fargo $7.87 1253
DAKOTA TELCO FEDERAL CREDIT UNION Fargo $18.55 1201
NORIDIAN EMPLOYEES CREDIT UNION Fargo $4.22 1181
FLASHER COMMUNITY CREDIT UNION Flasher $6.62 841
F.F.E. FEDERAL CREDIT UNION Fargo $4.55 577
TEL-U-WATT FEDERAL CREDIT UNION Minot $4.01 459
LISBON FARMERS UNION CREDIT UNION Lisbon $4.86 286
TOLNA CO OP FEDERAL CREDIT UNION Tolna $1.24 236
NORTHERN STS PWR COMPANY EMP FEDERAL CREDIT UNION Grand Forks $1.16 125
Tweet
Share
Pin
Share
0 Shares
MEET THE AUTHOR

Elite Personal Finance

Profile

Recommended Articles

Debt

Best Personal Loans for Bad and Good Credit in Vermont, Payday Loan Laws of January 2025

EPF March 7, 2020
Debt

Best Personal Loans for Bad and Good Credit in West Virginia, Payday Loan Laws of January 2025

EPF March 7, 2020
Debt

Best Personal Loans for Bad and Good Credit in Wyoming, Payday Loan Laws of January 2025

EPF March 7, 2020

AS SEEN ON