- Payday loans in Finley 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 45 miles away.
Finley at a glance
| Finley | |
|---|---|
| Population (2024 Census estimate) | 391 |
| Change since 2020 | -2.7% (shrinking) |
| County | Steele County |
| Size rank among 137 North Dakota places we cover | 103rd |
| Nearest larger city | Grand Forks (about 45 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 7 (about 5,691 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
Payday lending in Finley follows North Dakota state law. Lenders that serve Finley, in a store or online, must be licensed by the North Dakota Department of Financial Institutions.
Credit unions near Finley
NCUA data (June 2026) shows no credit union headquartered in Finley or Steele 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.
Payday loan rules that apply in Finley
The main North Dakota rules for a payday loan in Finley: 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 Finley
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 Steele County before you borrow
- Call or text 211 for help with rent, utilities and food in Steele County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Finley
The nearest larger city is Grand Forks, about 45 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 Finley?
Yes. Payday loans are legal in Finley 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 Finley?
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 Finley?
NCUA data shows no credit union headquartered in Finley 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