- Payday loans in South Heart 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 Dickinson, about 9 miles away.
South Heart at a glance
| South Heart | |
|---|---|
| Population (2024 Census estimate) | 414 |
| Change since 2020 | +4.3% (growing) |
| County | Stark County |
| Size rank among 137 North Dakota places we cover | 102nd |
| Nearest larger city | Dickinson (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 4 (about 27,658 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
Whether you borrow at a storefront in Dickinson or online from South Heart, the lender must hold a North Dakota license from the North Dakota Department of Financial Institutions and follow state limits.
Credit unions near South Heart
NCUA data (June 2026) shows no credit union headquartered in South Heart or Stark 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 South Heart
Key North Dakota limits that apply to South Heart 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 South Heart
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 Stark 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 South Heart 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 South Heart
- Dickinson · 9 mi
- Belfield · 10 mi
- Gladstone · 20 mi
- New England · 23 mi
- Richardton · 31 mi
- Killdeer · 36 mi
The nearest larger city is Dickinson, about 9 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 South Heart?
Yes. Payday loans are legal in South Heart 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 South Heart?
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 South Heart?
NCUA data shows no credit union headquartered in South Heart 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