Payday Loans in Granville, North Dakota

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

Company nameAddressZip codePhone number
United States Postal Service 206 Main Ave, Colfax, ND 58018 +1 (800) 275 - 8777
ENG Lending 288 1st St W, Dickinson, ND 58601 +1 (701) 456 - 5626
Bremer Bank 1618 Commerce St, Wahpeton, ND 58075 +1 (701) 642 - 6403
U.S. Bank ATM - Fargo North 1900 N University Dr, Fargo, ND 58102 +1 (800) 872 - 2657
Payday Express Check Cashing 1017 S Washington St 4333, Grand Forks, ND 58201 +1 (701) 746 - 5251
Citizens Community Credit Union 1117 US-2, Devils Lake, ND 58301 +1 (701) 662 - 8118
Cornerstone Bank 2112 N 12th St, Bismarck, ND 58501 +1 (701) 751 - 4030
Unison Bank 401 1st Ave S, Jamestown, ND 58401 +1 (701) 253 - 5600
Choice Insurance 3175 Sienna Dr S 102, Fargo, ND 58104 +1 (701) 356 - 9895
Wintrust Mortgage 997 47th Ave S 4, Grand Forks, ND 58201 +1 (701) 738 - 0651

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Granville, ND

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

58741

Are Payday Loans Legal In Granville, 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

Granville, ND payday loan calculator

Payday Loans in Granville, North Dakota

If you’re looking for a quick solution to your financial needs, then you might have heard of payday loans. Payday loans are a short-term lending option that offers a small amount of cash with a high-interest rate. In Granville, North Dakota, payday loans are legal. Before you decide to take out one, it’s essential to understand the regulations and process in North Dakota.

What are payday loans?

Payday loans are short-term loans with small amounts. To illustrate, you can borrow up to $500 in North Dakota, and the repayment term is usually two weeks. Lenders require that the borrower gives either their post-dated check or permission to their bank account to debit the amount borrowed plus the interest post-dated. Usually, payday loans have high-interest rates. In North Dakota, the maximum permitted interest is 20% of the amount borrowed, plus $20 in fees.

Applying for a payday loan in Granville, North Dakota

To obtain a payday loan in Granville, North Dakota, potential borrowers should find a licensed lender. The North Dakota Office of State Bank Commissioner maintains a database where borrowers can verify lenders’ licenses to operate. Once you find a reputable lender, you will need to provide:

  • Proof of income
  • A valid checking account
  • A valid Social Security or Tax ID number
  • Contact and personal information

Most lenders in North Dakota require that the borrower has a checking account to facilitate the transfer of funds and the processing of the repayment.

The pros and cons of payday loans in North Dakota

Payday loans are a convenient source of funds in emergencies, but they also come with pros and cons that every borrower should consider.

Pros of payday loans in North Dakota:

  • Quick processing: payday loans get processed quickly compared to traditional loans like credit cards and bank loans. You can even get cash the same day when applying online.
  • Easy lending criteria: most borrowers qualify for payday loans, even those with a low credit score.
  • No credit check: most lenders don’t run a credit check, making it easy for people with bad credit to get loans.

Cons of payday loans in North Dakota:

  • High interest rates: the interest rate for payday loans is incredibly high, making it difficult to pay off the loan.
  • Cycle of debt: borrowing payday loans regularly can create a cycle of debt that can be hard to escape.
  • Predatory practices: some lenders employ predatory practices like hidden fees, rollover fees, and prepayment penalties.

Interesting facts and statistics about payday loans in Granville, North Dakota

  • In 2019, North Dakota had 27 companies that issued payday loans.
  • The total loan volume in North Dakota was $9.7 million in 2019.
  • The average payday loan amount was $362 in North Dakota.
  • The average APR of payday loans in North Dakota is 520%.
  • Most payday loan borrowers in North Dakota are between 25-44 years old.

Need a payday loan in Granville, North Dakota? Apply now!

If you need a payday loan in Granville, North Dakota, and you’ve exhausted all your other options, you can apply for one on our website. TheGuaranteedLoans is not a direct lender, but we connect borrowers with lenders in our network. We make the process fast and secure, and you can get your funds in as little as one business day. Apply now!

F.A.Q.

What are the consequences of defaulting on a payday loan in Granville, North Dakota?

If you default on a payday loan in Granville, North Dakota, the lender may pursue legal action to collect the unpaid amount. This could result in a negative impact on your credit score and potential financial penalties.

Are there alternatives to payday loans in Granville, North Dakota?

Yes, there are alternative financial options available to borrowers in Granville, North Dakota. These may include low-interest personal loans, credit union loans, or financial assistance programs. It is important to research and compare these options before taking out a payday loan.

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