- Payday loans in Williston 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.
- 1 credit union is headquartered in Williston; ask about small-dollar loans before borrowing.
Williston at a glance
| Williston | |
|---|---|
| Population (2024 Census estimate) | 28,821 |
| Change since 2020 | -1.7% (shrinking) |
| County | Williams County |
| Size rank among 137 North Dakota places we cover | 6th |
| Share of North Dakota’s population | 3.6% |
| Nearest larger city | Minot (about 109 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Williams County | 1 |
| Other towns within 25 miles | 2 (about 1,073 residents) |
| Typical payday APR statewide (CRL 2023) | 521% |
There is no separate Williston payday law: North Dakota rules apply here, and any lender serving Williston residents, online or in person, needs a license from the North Dakota Department of Financial Institutions.
Credit unions in Williston
These credit unions have their main office in Williston, according to NCUA call report data (June 2026):
- Western Cooperative Credit Union (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.
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Payday loan rules that apply in Williston
In short, North Dakota rules that cover Williston 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 Williston
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 Williams County before you borrow
Before a payday loan, Williston residents can usually find something cheaper:
- Local assistance through 211 covering Williams 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 Williston
The nearest larger city is Minot, about 109 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 Williston?
Yes. Payday loans are legal in Williston 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 Williston?
At North Dakota’s maximum fee, borrowing $300 costs $60 (20% fee) plus a database fee. The typical statewide APR was 521% in 2023.
Are there credit unions in Williston?
Yes. NCUA data lists 1 credit union with a main office in Williston, including Western Cooperative Credit Union.
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