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Not allowed in North Dakota

Title loans are not allowed in North Dakota

North Dakota law does not allow title loans, so there is no request form for them here. Here are other options and free help in North Dakota.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the North Dakota guide

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).

Title loans in North Dakota
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3] Not allowed Not allowed Not set by statute Not set by statute NDCC 13-08-12 bars payday licensees from taking vehicle titles as collateral, which functionally forecloses a title-loan product under that license type 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

Cheaper options to try first

  • 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.

Title 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.

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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.