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What North Dakota law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | Allowed | Fee cap | Up to $600 | Up to 2 months | Deferred Presentment Service Provider license under N.D. Cent. Code Chapter 13-08,... | 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); over a typical loan period this computes to an effective APR of approximately 487% per secondary-source calculation, not a directly stated APR figure in the fee-cap statute itself.
- 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.
Help in North Dakota
Money snapshot for North Dakota
Other options in North Dakota
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in North Dakota: allowed under North Dakota law; see its limits and license rules.
- Installment loans in North Dakota: allowed under North Dakota law; see its limits and license rules.
- Personal loans in North Dakota: allowed under North Dakota law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in North Dakota.
Payday loans in nearby states
- South DakotaAllowed 36% APR
- MinnesotaAllowed 50% APR
- NebraskaAllowed 36% APR
- MontanaAllowed 36% APR
- WyomingAllowed Cap set in statute
Sources
- ndlegis.gov/cencode/t13.html. Retrieved September 23, 2026.
- ndlegis.gov. N.D. Cent. Code Chapter 13-08. Retrieved September 23, 2026.
- nd.gov. North Dakota Department of Financial Institutions (DFI). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: North Dakota. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
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.