Why this is not available
North Dakota law does not allow title loans, so we show no request form. There is no North Dakota license that authorizes them. Read the law: NDCC 13-08-12.. Regulator: North Dakota Department of Financial Institutions (DFI).
North Dakota law does not allow title loans, so there is no request form for them. See Other options in North Dakota and free help below.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2][3] | Not allowed | Not allowed | Not set by statute | Not set by statute | None confirmed | NDCC 13-08-12. |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
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.
- Payday 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.
Help in North Dakota
Title loans in nearby states
- South DakotaAllowed 36% APR
- MinnesotaAllowed 36% APR
- NebraskaRestricted See the rules
- MontanaNot allowed Not allowed
- WyomingAllowed 36% APR (top tier)
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.
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.