- Payday loans in Reile's Acres 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 Fargo, about 5 miles away.
Reile's Acres at a glance
| Reile's Acres | |
|---|---|
| Population (2024 Census estimate) | 866 |
| Change since 2020 | +19.6% (growing fast) |
| County | Cass County |
| Size rank among 137 North Dakota places we cover | 62nd |
| Nearest larger city | Fargo (about 5 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Cass County | 6 |
| Other towns within 25 miles | 12 (about 191,188 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
Whether you borrow at a storefront in Fargo or online from Reile's Acres, the lender must hold a North Dakota license from the North Dakota Department of Financial Institutions and follow state limits.
Credit unions near Reile's Acres
No credit union has its main office in Reile's Acres, but these are based elsewhere in Cass County (NCUA, June 2026):
- Fargo Public Schools Federal Credit Union in Fargo (federal charter — may offer payday alternative loans (PALs))
- Fargo Va Federal Credit Union in Fargo (federal charter — may offer payday alternative loans (PALs))
- Postal Family Federal Credit Union in Fargo (federal charter — may offer payday alternative loans (PALs))
- F.F.E. Federal Credit Union in Fargo (federal charter — may offer payday alternative loans (PALs))
- Cce Federal Credit Union in Fargo (federal charter — may offer payday alternative loans (PALs))
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 Reile's Acres
Key North Dakota limits that apply to Reile's Acres 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 Reile's Acres
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 Cass 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 Reile's Acres 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 Reile's Acres
The nearest larger city is Fargo, about 5 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 Reile's Acres?
Yes. Payday loans are legal in Reile's Acres 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 Reile's Acres?
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 Reile's Acres?
No credit union is headquartered in Reile's Acres, but Fargo Public Schools Federal Credit Union is based in Fargo, also in Cass 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