Payday Loans in Adams, North Dakota

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No payday loan companies in Adams, ND. Consider companies in other cities:

Company nameAddressZip codePhone number
Gate City Bank 204 Sims St, Dickinson, ND 58601 +1 (701) 456 - 7220
Walz Financial Services 1800 E Main St, Mandan, ND 58554 +1 (701) 222 - 0760
Thrivent Financial 311 1st Ave S, Jamestown, ND 58401 +1 (701) 252 - 1160
First Community Credit Union 217 Towner Ave, Larimore, ND 58251 +1 (701) 343 - 6473
Carquest Auto Parts - Wyndmere Auto 500 Highway 13 West, Wyndmere, ND 58081 +1 (701) 439 - 2259
Jay's Pawn Shop 3101 Memorial Hwy, Mandan, ND 58554 +1 (701) 663 - 0708
Concorde Financial 720 28th St S, Fargo, ND 58103 +1 (701) 293 - 1524
Frandsen Bank & Trust 1616 S Washington St, Grand Forks, ND 58201 +1 (701) 780 - 7700
First International Bank & Trust 75 Central Ave SE, Killdeer, ND 58640 +1 (701) 764 - 5666
Thrivent Financial 807 Hill Ave, Grafton, ND 58237 +1 (701) 352 - 0695

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Adams, ND, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bismarck, ND, Payday Loans in Fargo, ND, Payday Loans in Grand Forks, ND, Payday Loans in Minot, ND and Payday Loans in West Fargo, ND. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Adams, ND.

Payday Loans Available in Adams, ND By The Following ZIP Codes:

58210

Are Payday Loans Legal In Adams, North Dakota?

Loan Rates and Fees, Laws and Regulations in North Dakota.

North Dakota is a state where payday lending is legally allowed. This means that you can take out payday loans with high interest rate and rollovers - but there are other states in the USA where these issues are regulated by law. If you no longer want to use payday loans, avoid taking out too many financial contracts - as this can cause negative consequences.

North Dakota Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)487
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term60 days
Number of Rollovers Allowed1
Finance Charges20% of the amount advanced

Adams, ND payday loan calculator

Understanding Payday Loans in Adams, North Dakota

Life is full of unexpected expenses, and sometimes, you may find yourself in need of a quick financial boost. Payday loans are a type of short-term loan that can be helpful in such situations. If you live in Adams, North Dakota, and are considering taking out a payday loan, here’s what you need to know.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to provide a quick cash infusion to cover unexpected expenses or bridge a financial gap until the borrower’s next paycheck arrives. These loans are typically small in size, ranging from a few hundred to a few thousand dollars, and they often come with high interest rates and fees.

Are Payday Loans Legal in North Dakota?

Yes, payday loans are legal in North Dakota. However, the state has specific laws and regulations in place to protect borrowers from predatory lending practices. North Dakota allows payday lenders to charge up to 20% of the loan amount in finance fees, with an additional $20 administrative fee.

How Do Payday Loans Work?

The process of getting a payday loan is typically straightforward. The borrower fills out an application and provides proof of income, employment, and personal information. The lender then approves or denies the application. If approved, the borrower receives the funds in their bank account or as cash.

The loan typically must be repaid in full on the borrower’s next payday, with the finance charges and fees. Some lenders may offer extended repayment options, but these often come with additional fees and can trap the borrower in a cycle of debt.

The Pros and Cons of Payday Loans

Before taking out a payday loan in Adams, North Dakota, it’s essential to weigh the pros and cons carefully.

Pros:

  • Quick access to cash
  • No credit check required
  • Easy application process

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potential for a debt cycle

Interesting Statistics About Payday Loans in Adams, North Dakota

Did you know that North Dakotans borrowed an average of $326 in payday loans in 2019? According to the North Dakota Department of Financial Institutions, the total amount of payday loans issued in the state that year was $23.9 million. Additionally, the state has specific laws in place to protect borrowers from predatory lending practices, including a maximum finance charge of 20% of the loan amount.

Apply Now

If you’re in need of a payday loan in Adams, North Dakota, TheGuaranteedLoans can help. We are a connector service that can help you find a lender that meets your needs. Our application process is simple and easy, and we only work with reputable lenders that follow state and federal lending laws.

Apply now and get the cash you need to cover unexpected expenses or bridge a financial gap until your next paycheck arrives.

F.A.Q.

Are there any alternative forms of credit available for borrowers who need short-term financial assistance in Adams, North Dakota?

Yes, there are alternative forms of credit available for borrowers in Adams, North Dakota who need short-term financial assistance. These options may include credit union loans, community development financial institution loans, or small dollar loans from banks or credit unions.

Can payday lenders charge late fees or penalties for missed payments on payday loans in Adams, North Dakota?

Yes, payday lenders can charge late fees or penalties for missed payments on payday loans in Adams, North Dakota. The maximum late fee that can be charged is $30, and lenders cannot charge more than one late fee per loan.

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