- Payday loans in Devils Lake follow North Dakota law (N.D. Century Code chapter 13-08).
- Borrowing $300 at the state maximum costs $60 (20% fee) plus a database fee.
- The nearest larger city is Grand Forks, about 84 miles away.
Devils Lake at a glance
| Devils Lake | |
|---|---|
| Population (2024 Census estimate) | 7,314 |
| Change since 2020 | +0.1% (holding steady) |
| County | Ramsey County |
| Size rank among 137 North Dakota places we cover | 11th |
| Share of North Dakota’s population | 0.9% |
| Nearest larger city | Grand Forks (about 84 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 1 (about 687 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
Whether you borrow at a storefront in Grand Forks or online from Devils Lake, the lender must hold a North Dakota license from the North Dakota Department of Financial Institutions and follow state limits.
Credit unions near Devils Lake
NCUA data (June 2026) shows no credit union headquartered in Devils Lake or Ramsey County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Devils Lake
Key North Dakota limits that apply to Devils Lake borrowers: maximum loan: $500; maximum fee: 20% of the amount advanced, plus a database fee; loan term: up to 60 days including one renewal. See the full North Dakota payday loan rules.
What a $300 loan costs in Devils Lake
The Center for Responsible Lending put the typical APR on a $400 payday loan in North Dakota at 521% (June 2023). For $300 at the state maximum, expect $60 (20% fee) plus a database fee. Check any offer with our payday loan calculator.
Other help in Ramsey County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Devils Lake 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.
Towns near Devils Lake
The nearest larger city is Grand Forks, about 84 miles away. See all 137 North Dakota cities.
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 Devils Lake?
Yes. Payday loans are legal in Devils Lake under North Dakota state law, and lenders must be licensed by the North Dakota Department of Financial Institutions.
How much does a payday loan cost in Devils Lake?
At North Dakota’s maximum fee, borrowing $300 costs $60 (20% fee) plus a database fee. The typical statewide APR was 521% in 2023.
Where is the nearest credit union to Devils Lake?
NCUA data shows no credit union headquartered in Devils Lake or its county. Use the NCUA credit union locator to find branches and online credit unions.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- N.D.C.C. chapter 13-08
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary