Payday Loans in Cartwright, North Dakota

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

Company nameAddressZip codePhone number
Abstract & Title Co 67 S Central Ave, Beach, ND 58621 +1 (701) 872 - 4531
AgCountry Farm Credit Services 802 Caledonia Ave W, Hillsboro, ND 58045 +1 (701) 636 - 4842
Sawyer Diseth - Thrivent 501 3rd St NE 3, Devils Lake, ND 58301 +1 (701) 662 - 2975
Direct Check 215 Dakota Ave, Wahpeton, ND 58075 +1 (701) 642 - 1802
Farmers & Merchants State Bank 101 Main St, Tolna, ND 58380 +1 (701) 262 - 4211
U.S. Bank ATM - Grand Forks - Medical Center 1205 S Columbia Rd, Grand Forks, ND 58201 +1 (800) 872 - 2657
Ameriprise Financial 1245 Lawler Ave, Grafton, ND 58237 +1 (701) 352 - 1217
Direct Check 243 Central Ave N # B, Valley City, ND 58072 +1 (701) 845 - 2122
Keith Bjerk - Raymond James 2812 17th Ave S, Grand Forks, ND 58201 +1 (701) 775 - 0300
First Community Credit Union 1404 12th Ave N, Fargo, ND 58102 +1 (701) 293 - 6132

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cartwright, ND, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Bismarck, ND, Payday Loans in Fargo, ND, Payday Loan Without a Credit Check in Grand Forks, ND, Payday Loans in Minot, ND and Emergency Loan 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 Cartwright, ND.

Are Payday Loans Legal In Cartwright, 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

Cartwright, ND payday loan calculator

Payday loans are a type of short-term loan that provides immediate cash to borrowers. They are intended to help people meet unexpected expenses until their next paycheck. If you are considering a payday loan in Cartwright, North Dakota, this article will guide you through the basics of payday loans in this state.

Payday Loans in Cartwright, North Dakota: What You Need to Know

In North Dakota, payday loans are regulated under the North Dakota Century Code section 13-08-01 et seq. The loan amounts offered by payday lenders in North Dakota cannot exceed $500, and the maximum term for a payday loan is 60 days. Lenders are required by law to explain the terms and conditions of the loan to the borrower before the loan is disbursed.

A borrower may have up to four outstanding payday loans at any given time. If a borrower defaults on a payday loan, the lender may charge interest at a rate of 36% per annum, exclusive of statutory fees.

How to Apply for a Payday Loan in Cartwright, North Dakota

If you meet the eligibility requirements for a payday loan in North Dakota, you may apply for one at a licensed lender’s store in Cartwright, North Dakota. Alternatively, you can also apply for a payday loan online via TheGuaranteedLoans!

TheGuaranteedLoans is a lending portal that helps borrowers connect with registered lenders in North Dakota. After filling out the online application form, TheGuaranteedLoans will match you with a lender who meets your loan requirements. Once matched, the lender will contact you to provide further information or clarify any questions.

Payday Loans vs. Installment Loans

Payday loans are designed for short-term financial needs and typically carry higher interest rates than installment loans. Installment loans, on the other hand, are repaid over a longer period of time, usually in equal installments. If you need to borrow a larger sum of money or if you require more time to repay the loan, an installment loan may be a better option.

Benefits of Payday Loans

  • Quick turnaround: The application process for payday loans is fast and easy, making it an ideal option if you need cash quickly.
  • No collateral required: Payday loans are unsecured loans, meaning you don’t have to put up any assets as collateral.
  • No credit check: Payday lenders typically don’t run credit checks, so you may still be eligible even if you have poor credit.

Drawbacks of Payday Loans

  • High fees and interest rates: Payday loans usually come with high fees and interest rates, making them an expensive form of borrowing.
  • Risk of debt cycle: Because of the high fees and short repayment period, borrowers run the risk of falling into a debt cycle if they can’t repay the loan on time.
  • May affect credit score: Some payday lenders may report non-payment to credit bureaus, which can negatively affect your credit score.

Interesting Facts and Statistics about Payday Loans in Cartwright, North Dakota

  • In 2019, North Dakota had the lowest average payday loan debt per capita in the United States at $172.35.
  • Payday lending is a $40 billion industry in the United States, with over 12 million Americans using payday loans each year.
  • Since the implementation of the 36% APR cap on payday loans in North Dakota, the number of payday loan stores in the state has decreased by almost 75%.

Apply Now for a Payday Loan in Cartwright, North Dakota

If you need cash quickly and are considering a payday loan in Cartwright, North Dakota, TheGuaranteedLoans can connect you with a licensed lender in just a few minutes. Apply now on our website to get started. Remember, TheGuaranteedLoans is not a direct lender but a connector service that facilitates your connection to potential lenders.

F.A.Q.

Can I apply for a payday loan online in Cartwright, North Dakota?

Yes, many payday lenders in Cartwright, North Dakota offer the option of applying for a loan online through their website. This can be a convenient and fast way to apply for a loan, and you may be able to receive an approval decision and funds within a few hours.

Are there any alternatives to payday loans in Cartwright, North Dakota?

If you are considering a payday loan in Cartwright, North Dakota, it is important to explore all of your options before taking out a loan. Some alternatives to payday loans include borrowing from friends or family, using a credit card, or applying for a personal loan from a bank or credit union.

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