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Payday loans in North Dakota

Payday loans for bad credit in North Dakota

Payday loans are allowed in North Dakota from state-licensed lenders (Deferred Presentment Service Provider license). Here are the limits North Dakota law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the North Dakota guide

What North Dakota law allows

Payday loans in North Dakota
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2][3] AllowedHigh-cost loan Fee cap Up to $600 Up to 2 months Deferred Presentment Service Provider license N.D. Cent. Code Chapter 13-08; NDCC 13-08-12
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.
The rules in full

Payday loans

Rate cap
Payday loans (called 'deferred presentment service' transactions) are regulated under N.D. Cent. Code Chapter 13-08. A licensee's fee cannot exceed 20% of the amount advanced to the customer (e.g., a maximum $20 fee on a $100 advance).
Fees
Summarized in the statute; read the full rule.
License
Deferred Presentment Service Provider license under N.D. Cent. Code Chapter 13-08, issued by the North Dakota Department of Financial Institutions (DFI).

Full detail for every loan type: North Dakota lending laws.

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Rent and jobs in North Dakota

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in North Dakota
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[4]$1,088FY2026
Unemployment rate[5]2.2%2026-08

Other options in North Dakota

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in North Dakota.

Other loan types allowed in North Dakota

See every loan type North Dakota law allows.

Payday loans in nearby states

Sources

  1. ndlegis.gov/cencode/t13.html. Retrieved September 23, 2026.
  2. ndlegis.gov. N.D. Cent. Code Chapter 13-08. Retrieved September 23, 2026.
  3. nd.gov. North Dakota Department of Financial Institutions (DFI). Retrieved September 23, 2026.
  4. National Low Income Housing Coalition. Out of Reach 2026: North Dakota. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in North Dakota. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in North Dakota? Contact the North Dakota Department of Financial Institutions (DFI) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.