- Payday loans are legal in North Dakota under the N.D. Century Code chapter 13-08.
- The typical APR on a $400 payday loan in North Dakota was 521% (CRL, June 2023, from state regulator data).
- Borrowing $300 at the maximum fee costs $60 (20% fee) plus a database fee.
Payday loan rules in North Dakota
| Rule | North Dakota |
|---|---|
| Maximum loan | $500 |
| Maximum fee | 20% of the amount advanced, plus a database fee |
| Loan term | Up to 60 days including one renewal |
Rules checked 2026-10-04. Laws change, so confirm current limits with the North Dakota Department of Financial Institutions.
What a payday loan costs in North Dakota
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in North Dakota was 521%, based on data from the state regulator (June 2023). Under the state’s fee limits, borrowing $300 costs $60 (20% fee) plus a database fee. Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in North Dakota
- Make sure the lender is licensed by the North Dakota Department of Financial Institutions. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say North Dakota law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in North Dakota
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in North Dakota that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
North Dakota cities
Local guides for 137 North Dakota cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Fargo
- Payday loans in Bismarck
- Payday loans in Grand Forks
- Payday loans in Minot
- Payday loans in West Fargo
- Payday loans in Williston
- Payday loans in Dickinson
- Payday loans in Mandan
- Payday loans in Jamestown
- Payday loans in Wahpeton
- Payday loans in Devils Lake
- Payday loans in Valley
- Payday loans in Horace
- Payday loans in Watford
- Payday loans in Lincoln
All 137 North Dakota cities, A to Z
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in North Dakota?
Yes. Payday lending is legal in North Dakota under the N.D. Century Code chapter 13-08 and is regulated by the North Dakota Department of Financial Institutions.
What is the typical payday loan APR in North Dakota?
The Center for Responsible Lending reported a typical APR of 521% on a $400 payday loan in North Dakota, using state regulator data (June 2023).
Where can I complain about a payday lender in North Dakota?
Contact the North Dakota Department of Financial Institutions and file a complaint with the Consumer Financial Protection Bureau.