- Payday loans in Manvel 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 11 miles away.
Manvel at a glance
| Manvel | |
|---|---|
| Population (2024 Census estimate) | 366 |
| Change since 2020 | -1.6% (shrinking) |
| County | Grand Forks County |
| Size rank among 137 North Dakota places we cover | 109th |
| Nearest larger city | Grand Forks (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Grand Forks County | 6 |
| Other towns within 25 miles | 5 (about 63,233 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
Payday lending in Manvel follows North Dakota state law. Lenders that serve Manvel, in a store or online, must be licensed by the North Dakota Department of Financial Institutions.
Credit unions near Manvel
No credit union has its main office in Manvel, but these are based elsewhere in Grand Forks County (NCUA, June 2026):
- Northern Sts Pwr Company Emp Federal Credit Union in Grand Forks (federal charter — may offer payday alternative loans (PALs))
- Northern Valley Federal Credit Union in Grand Forks (federal charter — may offer payday alternative loans (PALs))
- University Federal Credit Union in Grand Forks (federal charter — may offer payday alternative loans (PALs))
- Riverfork Federal Credit Union in Grand Forks (federal charter — may offer payday alternative loans (PALs))
- Med Park Credit Union in Grand Forks (state charter)
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 Manvel
The main North Dakota rules for a payday loan in Manvel: 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 Manvel
At North Dakota’s maximum fee, borrowing $300 costs $60 (20% fee) plus a database fee. Statewide, the typical APR on a $400 payday loan was 521% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Grand Forks County before you borrow
- Call or text 211 for help with rent, utilities and food in Grand Forks 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 Manvel
The nearest larger city is Grand Forks, about 11 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 Manvel?
Yes. Payday loans are legal in Manvel 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 Manvel?
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 Manvel?
No credit union is headquartered in Manvel, but Northern Sts Pwr Company Emp Federal Credit Union is based in Grand Forks, also in Grand Forks County.
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