Payday Loans in Dunn Center, North Dakota

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

Company nameAddressZip codePhone number
Gate City Bank 405 E Main St, Mandan, ND 58554 +1 (701) 355 - 7680
Pebblestone Financial 3350 35th Ave S, Fargo, ND 58104 +1 (800) 832 - 4110
Jackson Hewitt Tax Service 1525 S University Dr, Fargo, ND 58103 +1 (888) 325 - 1040
Farm Credit Services 201 3rd Ave SE, Rugby, ND 58368 +1 (701) 776 - 5863
Aspire Credit Union 1430 S Broadway, Minot, ND 58701 +1 (701) 837 - 5353
Western Union 300 11th St W, Williston, ND 58801 +1 (800) 325 - 6000
Raymond James Financial Services 223 Main St, Williston, ND 58801 +1 (701) 774 - 4165
Financial Advisors U.S. Bancorp Investments 600 Demers Ave, Grand Forks, ND 58201 +1 (701) 795 - 6190
Raymond James Financial Services 3100 S Columbia Rd, Grand Forks, ND 58201 +1 (701) 795 - 4555
First Western Bank & Trust - Administrative Building 825 26th Ave E, West Fargo, ND 58078 +1 (701) 364 - 9000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dunn Center, ND, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Bismarck, ND, Guaranteed Loans in Fargo, ND, Short-term Loans in Grand Forks, ND, 24-Hour Loan 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 Dunn Center, ND.

Beautiful sights of Dunn Center, ND

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

58626

Are Payday Loans Legal In Dunn Center, 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

Dunn Center, ND payday loan calculator

Payday Loans in Dunn Center, North Dakota

Payday loans are short-term, small-dollar loans that are typically used to cover unexpected expenses or bridge the gap between paychecks. They are typically due on the borrower’s next payday and are known for their high fees and interest rates. In North Dakota, payday loans are legal, but they are highly regulated by the state to protect consumers from predatory lending practices.

The Basics of Payday Loans in Dunn Center, North Dakota

If you are considering a payday loan in Dunn Center, North Dakota, it is important to understand the laws and regulations surrounding these types of loans. According to North Dakota law, payday loans are limited to $500 and can only be taken out for a maximum of 60 days. Additionally, lenders cannot charge more than 20% of the loan amount in fees. This means that if you take out a $500 payday loan, the maximum amount you will pay in fees is $100.

Furthermore, payday lenders in North Dakota are required to be licensed by the state and are subject to strict regulations. Lenders are required to provide borrowers with a written agreement that outlines the terms of the loan, including the fees, interest rate, and repayment schedule. Borrowers also have the right to cancel the loan within one business day without penalty.

The Pros and Cons of Payday Loans in Dunn Center, North Dakota

While payday loans can be a useful tool for those in need of quick cash, they also come with their fair share of risks. Here are some of the pros and cons of payday loans in Dunn Center, North Dakota:

Pros:

  • Easy to obtain: Payday loans do not require a credit check, and the application process is usually quick and easy.
  • Flexible: Payday loans can be used for any purpose, unlike some other types of loans that are only used for specific purchases, such as a car or a home.

Cons:

  • High fees and interest rates: Payday loans often come with high fees and interest rates, making them a costly option for borrowers.
  • Risk of debt cycle: Due to the high fees and short repayment periods, many borrowers find themselves unable to pay back the loan on time and end up taking out another loan to cover the first one, leading to a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Dunn Center, North Dakota

Here are some verified facts and statistics about payday loans in Dunn Center, North Dakota:

  • According to a 2020 report from the Center for Responsible Lending, North Dakota has one of the lowest average payday loan interest rates in the country at 86.87%, compared to the national average of 391%.
  • A 2019 study by the North Dakota Department of Financial Institutions found that the average payday loan amount in the state was $376, and the median income of payday loan borrowers was $28,281.
  • In 2019, North Dakota payday lenders made 63,542 loans for a total of $23.9 million.

Apply Now with TheGuaranteedLoans

If you are considering a payday loan in Dunn Center, North Dakota, TheGuaranteedLoans can help. As a connector service, we work with a network of trusted lenders to help connect borrowers with the resources they need. Our online application process is quick and easy, and we only work with lenders who adhere to state and federal regulations. Apply now to get started!

F.A.Q.

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

Yes, there are alternative forms of credit available for borrowers in Dunn Center, 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 Dunn Center, North Dakota?

Yes, payday lenders can charge late fees or penalties for missed payments on payday loans in Dunn Center, 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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