- Payday loans in Portland 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 32 miles away.
Portland at a glance
| Portland | |
|---|---|
| Population (2024 Census estimate) | 582 |
| Change since 2020 | -0.2% (holding steady) |
| County | Traill County |
| Size rank among 137 North Dakota places we cover | 87th |
| Nearest larger city | Grand Forks (about 32 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 10 (about 7,861 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
There is no separate Portland payday law: North Dakota rules apply here, and any lender serving Portland residents, online or in person, needs a license from the North Dakota Department of Financial Institutions.
Credit unions near Portland
NCUA data (June 2026) shows no credit union headquartered in Portland or Traill 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 Portland
In short, North Dakota rules that cover Portland include: 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 Portland
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 Traill County before you borrow
Before a payday loan, Portland residents can usually find something cheaper:
- Local assistance through 211 covering Traill County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Portland
The nearest larger city is Grand Forks, about 32 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 Portland?
Yes. Payday loans are legal in Portland 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 Portland?
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 Portland?
NCUA data shows no credit union headquartered in Portland 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