Payday Loans in Des Lacs, North Dakota

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

Company nameAddressZip codePhone number
American Bank Center 150 Central Ave SE, Killdeer, ND 58640 +1 (701) 764 - 5838
Peoples Bank Main St, Plaza, ND 58771 +1 (701) 497 - 3379
Twin City Motors 110 N Washington St, Grand Forks, ND 58203 +1 (701) 885 - 2393
KodaBank 521 2nd St, Minto, ND 58261 +1 (701) 248 - 3242
Bank Forward 122 3rd Ave, Wimbledon, ND 58492 +1 (701) 435 - 2411
Farm Credit Services 1802 ND-5, Crosby, ND 58730 +1 (701) 965 - 2265
Wintrust Mortgage 997 47th Ave S 4, Grand Forks, ND 58201 +1 (701) 738 - 0651
KodaBank 307 Main St W, Cavalier, ND 58220 +1 (701) 265 - 8484
Guaranteed Rate 311 N Washington St, Bismarck, ND 58501 +1 (701) 226 - 4651
State Bank of Lakota 125 Main St, Lakota, ND 58344 +1 (701) 247 - 2413

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Des Lacs, ND, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bismarck, ND, 24-Hour Loan in Fargo, ND, Quick Loan 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 Des Lacs, ND.

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

58733

Are Payday Loans Legal In Des Lacs, 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

Des Lacs, ND payday loan calculator

Are you in need of quick cash in Des Lacs, North Dakota? If so, you may be considering taking out a payday loan. Payday loans are a type of short-term loan designed to help individuals cover unexpected expenses or bridge the gap between paychecks.

How Do Payday Loans Work?

Payday loans work differently than traditional bank loans. Instead of borrowing a large sum of money for an extended period, you borrow a smaller amount of cash for a shorter period, usually two weeks. These loans are also known as cash advances.

The process of getting a payday loan is relatively simple. You provide the lender with a check or authorization to withdraw money from your account on the due date. In return, you receive cash for the amount of the loan, plus a fee.

The fee for a payday loan varies from lender to lender and can be significant, sometimes over 400% APR. For example, if you borrow $100 for two weeks, you may have to pay a fee of $15-$30 in addition to the loan amount.

Legal Status of Payday Loans in Des Lacs, North Dakota

Payday loans are legal in North Dakota. The state has some regulations in place to protect consumers from predatory lending practices.

  • There is no maximum limit on the amount you can borrow, but your loan term cannot exceed 60 days.
  • Lenders cannot charge more than 20% of the loan amount in finance charges.
  • Lenders cannot threaten or take legal action against borrowers who are unable to repay their loans on time.
  • Lenders must disclose all fees and terms of the loan in writing to borrowers before they sign a contract.

It is important to note that payday loans should be used only as a last resort and not to cover ongoing expenses or as a permanent solution to financial problems. Borrowers should also make sure they can repay the loan on time to avoid further fees and financial difficulties.

Interesting Facts and Statistics about Payday Loans in Des Lacs, North Dakota

  • The average payday loan in North Dakota is $325, and the average loan term is 14 days.
  • According to a survey by the North Dakota Department of Financial Institutions, 85% of payday loan borrowers in the state take out multiple loans a year.
  • As of 2020, there are over 60 licensed payday lenders in North Dakota.
  • In 2019, payday lenders in North Dakota issued $84 million in loans, up from $48 million in 2015.

Apply Now

If you’re considering a payday loan in Des Lacs, North Dakota, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender but a connector service that helps borrowers find suitable lenders.

Our online application process is simple and straightforward. You can fill out an application from the comfort of your own home and receive a decision within minutes. If you are approved, you can have the cash in your bank account within one business day.

Remember, payday loans should be used only as a last resort. If you need assistance managing your finances, contact a non-profit credit counselor, financial advisor or a community organization for advice and support.

Apply now on TheGuaranteedLoans website and get the cash you need quickly and easily!

F.A.Q.

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

Yes, many payday lenders in Des Lacs, 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 Des Lacs, North Dakota?

If you are considering a payday loan in Des Lacs, 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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