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Best Online Payday Loans North Dakota

Payday loans are legal in North Dakota, unlike in some other states. However, the state also has strict limits on the loan terms, the amount that you can receive, and the interest rate that you will pay. 

In North Dakota, you may qualify for a payday loan of up to $500. This is significantly lower than the amount that you can get in most other states. However, the goal is to ensure that everyone can pay off their loan by their next payday. 

Additionally, payday loans in North Dakota are subject to high interest rates. You can expect to pay $20 for every $100 loan that you take out.  

These short-term, high-interest payday loans help provide a temporary financial solution in an emergency. However, they are not a long-term financial solution. 

Some of the best payday lenders that you will find are direct lenders themselves. Others are services designed to match you up with lenders, for a fee.

Table of Contents

Best Online Payday Loans In North Dakota


1. Moneymutual.com

MoneyMutual Cash Advance North Dakota

MoneyMutual is not an online lender. Instead, it is a service designed to connect people in financial distress with the online lenders available. 

Because of this, you have a multitude of options. There is no simple answer for how much you might be eligible for, or what your APR will be. These questions can be answered when you are connected to a payday lender. 

Services like MoneyMutual take all of your options and direct them to one place. They also ensure that you get connected to accredited, trustworthy lenders that can work with your particular situation. 

You may find yourself with a lot of options for loan amounts, repayment plans, and APRs. It is vital to spend some time reviewing all of the terms to decide which loan is best for you. 

With MoneyMutual, you will fill out a brief online application. Within a few minutes, you will be directed to approved lenders that are willing to work with you. You may qualify for up to $2,500, although this varies according to each state. 

MoneyMutual is a member of the Online Lenders Alliance and the Community Financial Education Foundation.


2. Speedycash.com

Speedy Cash North Dakota Payday Loans

Speedy Cash is a lender that offers quick, easy payday loans in smaller amounts. North Dakota residents may qualify for a payday loan of up to $500. 

While this is not as much as you might find from some comparable lenders, it can still be enough to help with financial emergencies. Lenders like Speedy Cash make it easy to get your hands on money as quickly and as easily as possible. 

North Dakota has a high APR for payday loans. The percentage varies based on how long your repayment plan is (two weeks versus one month) but, in general, you can expect to pay $20 per $100 on your loan. 

That translates to 521.43% for a 14-day loan and 243.33% for a 30-day loan. 

Because of North Dakota’s strict repayment regulations and high interest rates, a lender like Speedy Cash can be a prudent move. This gets you emergency financial help without putting you into a considerable amount of debt that you cannot repay. 

Speedy Cash has been providing payday loans across the United States since 1997. A member of the Online Lenders Alliance, it is fully certified and subject to state and federal regulations.


3. Getezmoney.com

EZ Money North Dakota Payday Loans

EZ Money offers a quick online application with instant approval and funding. You can do everything online, even from a mobile phone. 

You will need to provide all of your basic information, as well as proof of income and your checking account details. Once you are approved, you can get funds into your bank account in as short as 30 minutes. 

You can even sign all of the paperwork electronically so that you can finalize your loan in just a few minutes. 

This makes EZ Money one of the fastest options for payday loan providers anywhere, including North Dakota. 

The term of your payday loan is generally between 14 and 30 days. These terms, as well as interest rates and other details, will be determined by your personal information, including your income and credit score. 

EZ Money is subject to state laws wherever the loan is dispersed. In North Dakota, you can only qualify for a payday loan of up to $500. You are also subject to the interest rates set by state regulations. 

While companies like EZ Money can’t offer you higher loans or lower interest rates, the main appeal is its speed, especially since you can do everything from a single online platform. 


4. Landmarkcash.com

Landmark Cash Loans North Dakota

Landmark Cash is the top payday loan service in the state of North Dakota. Like many other services, this company does not provide a direct loan. Rather, it helps people connect with lenders and find a loan that suits their financial situation. 

Landmark Cash assumes that those looking for a payday loan may already have bad credit. As a result, you don’t have to worry about your credit score being a factor. All you have to do is fill out the online application, and you will be matched to direct lenders in North Dakota. 

You will have a range of options when matched with a lender since each lender sets some of its own rules and regulations. However, all online short-term loans in North Dakota through Landmark Cash have a maximum term of 60 days, but these may also be shorter. 

You have the option of using one rollover if you cannot make a payment. However, after that, you must make all payments according to your agreement. 

Landmark Cash offers a maximum payday loan of $500 under North Dakota law. You will incur a maximum finance rate of 20%, although this may depend on your loan terms and the lender that you choose. 


5. Direct-check.com

Direct Check Cash

Direct Check offers simple, no-hassle loans in straightforward terms. All you have to do is fill out an application, and you will get instant approval. After that, you will repay the loan amount along with the interest and a small fee. 

Companies like Direct Check aim to make the process for taking out a payday loan as simple and as easy as possible. You won’t have many options for negotiating different terms, but you will get your money quickly and without a fuss. 

For those who don’t have the time to deal with complicated terms, but rather just need cash to cover an emergency as quickly as possible, this can be an excellent option.

Another benefit of a lender like Direct Check is that it does not require a credit check. All you have to do is prove that you will be able to repay the principal and interest according to your agreement. You can do this by showing proof of income and sharing your bank account details. 

Direct Check is a great option for those who have poor credit, or have not established credit when they need a loan.


6. Cashcentral.com

Cash Central North Dakota Online Loans

Cash Central is an online lender that offers payday and online installment loans in North Dakota and for residents across the United States. In North Dakota, residents may qualify for a payday loan of up to $500. 

Your due date for payment in full depends on when your payday falls. Hence, you may have a minimum of seven days or a maximum of one month to pay back the loan as well as 486.67% APR and a $60 loan charge. 

When the agreed-upon due date arrives, these funds will be withdrawn automatically from your bank account. Cash Central allows each customer to refinance their payday loan once. After this, you will incur late fees and other penalties, such as damage to your credit score. 

Cash Central is licensed and regulated under state laws. It is also a member of INFiN, a financial services alliance, and Community Choice Financial. The company guarantees secure business transactions, so that you always know that your private information is safe. 

Customers can apply for a payday loan at any hour of the day and receive approval in minutes. Cash Central also offers a knowledgeable customer service team to answer any questions you may have about your loan.


7. Risecredit.com

Rise Credit North Dakota Personal Loans

RISE Credit allows residents of North Dakota to apply for a payday loan within a few minutes. Generally, if you are eligible, you will be approved instantly. Barring any unforeseen circumstances, your funds should be in your bank account within the next business day. 

North Dakota residents have some flexibility with the terms of their payday loan from RISE. This usually depends on several factors, including your income, credit score, and loan repayment history. 

You may qualify for a payday loan between the amounts of $1,250 and $5,000. Your APR can also vary widely, also depending on the factors mentioned above. The APR for online personal loans in North Dakota from RISE Credit can vary between 60% and 299% 

Although you may be approved for as much as $5,000, you are not obligated to accept the full amount of your loan. If possible, it is more prudent to accept a lower amount to avoid making payments for a longer period and, of course, accruing more interest. 

RISE Credit does not charge additional fees in addition to the principal and interest payments on your loan. Additionally, customers have five days after applying to change their mind and return the principal.


8. Cashnetusa.com

North Dakota Cashnet USA PayDay Loans

When you apply for a payday loan through CashNetUSA, you will receive a decision within minutes. This will be one of three options: approved, needs more information, or declined. 

Getting a “needs more information” result does not mean you won’t get a loan. It simply means that you need to provide a few extra documents for the company to make a decision. This might include pay stubs, proof of income, or some additional bank account info. 

If you are approved, you may be able to get funds in your bank account that same day. These will be up to $500 under North Dakota state law. 

Your repayment due date will depend on your next payday. This will be a maximum of 30 days but might be as short as 15 days. Make sure that you are ready with the funds on your due date to avoid further damage to your finances and credit score. 

You can also opt to repay the entire amount before the due date. Some lenders penalize this, but CashNetUSA allows you to repay your loan at any time without penalties. 

With a repayment rate of $20 per $100, you can expect an APR of between 243.33% and 292%.


9. Opencashadvance.com

Open Cash Advance North Dakota Online

Open Cash Advance offers payday loans for North Dakota residents with the standard APR on top of a finance fee. This company offers a longer-than-average repayment term with a maximum of 60 days. 

Most payday lenders offer a loan term of between 15 and 30 days. While this longer term may make it easier for you to gather the funds to repay your loan, it also means that you will pay more interest on your loan. 

Open Cash Advance is an online service that connects you with direct payday lenders eligible in your state. Its goal is to provide you with access to qualified, secure lenders even if you have poor credit. 

The company is designed to serve those with poor credit. Many people with low credit scores do not qualify for loans via traditional means such as banks, making it all the more serious when they encounter emergency costs. 

Open Cash Advance aims to combat that by providing access to a variety of direct lenders, so that you can find the payday loan that works best for you. The company is certified by the Online Lenders Alliance and protected through leading online security software, so you can be sure that your information is safe. 


10. Speedyloan.net

Speedy Loan North Dakota

Speedy Loan is an online provider that connects customers to lenders available to them. These services are available to everyone, even those who have poor or unestablished credit. 

The company makes it easy to find and compare direct payday loan options all on one platform. All you have to do is fill out an online application, and you will be matched to all the payday lenders available to you. 

The application takes less than 10 minutes, and Speedy Loan pledges to have your funds deposited into your bank account by the next business day. 

With services like these, it is important to review the terms of the lender that you choose. You will probably receive different offerings from a variety of lenders, so it is your responsibility to read the fine print and make the best choice for your finances. 

When you fill out your Speedy Loan application, you will need to provide proof of identity and other personal information. The company pledges to keep your information private and secure at all times. 

In addition to their main services, Speedy Loan offers a knowledgeable customer service line to help you understand your payday loan terms. They are available online or via phone.


Conclusion

Taking out online payday loans in North Dakota is possible, but it won’t make the whole world your oyster. State regulations limit payday loans to $500, and they are subject to strict rules and high interest rates. 

While a payday loan can help you in a temporary financial emergency, it will also mean adding bills to your agenda for several weeks. Never take out a payday loan unless you are certain that you can repay it promptly and according to your agreement. 

Failure to follow your payday loan terms will result in more financial difficulty and will reflect badly on your credit. 

With all of this in mind, make sure to reflect on the pros and cons of taking out a payday loan in North Dakota before you do so. Similarly, always read the terms and conditions from your lender. Acting prudently can make all the difference in a smart financial decision.

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