Payday Loans in Harwood, North Dakota

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

Company nameAddressZip codePhone number
Traill County Abstract & Title 24 1st St NW, Hillsboro, ND 58045 +1 (701) 636 - 4880
Lervik & Johnson 411 Sinclair St, Bottineau, ND 58318 +1 (701) 228 - 2259
Northstar Financial Group 3250 Oak Ridge Loop E, West Fargo, ND 58078 +1 (701) 282 - 6000
New York Life - Jeffrey Japel 1100 College Dr Suite 3, Bismarck, ND 58501 +1 (701) 255 - 2735
Choice Bank 645 Hill Ave, Grafton, ND 58237 +1 (701) 352 - 0242
Walmart Money Center 3757 55th Avenue South, Fargo, ND 58104
North Star Community Credit Union 1225 Hill Ave, Grafton, ND 58237 +1 (701) 379 - 2002
Quality Tax Preparation 1416 2nd Ave W 5, Williston, ND 58801 +1 (701) 572 - 0891
Credit Union Association of the Dakotas 2005 N Kavaney Dr, Bismarck, ND 58501 +1 (701) 258 - 5760
Area Community Credit Union 2800 S Washington St, Grand Forks, ND 58201 +1 (701) 772 - 2690

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harwood, ND, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Bismarck, ND, Online Loans in Fargo, ND, Bad Credit Loans in Grand Forks, ND, Payday Loans in Minot, ND and Online 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 Harwood, ND.

Beautiful sights of Harwood, ND

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

58042

Are Payday Loans Legal In Harwood, 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

Harwood, ND payday loan calculator

Everything You Need to Know About Payday Loans in Harwood, North Dakota

If you live in Harwood, North Dakota, and are in need of some quick cash, payday loans may be an option for you. While these loans can be helpful in certain situations, they can also be risky and expensive if not used responsibly. In this article, we’ll cover everything you need to know about payday loans in Harwood, North Dakota.

What are Payday Loans?

Payday loans are small, short-term loans with high interest rates. They are meant to provide borrowers with quick cash to cover unexpected expenses and are usually due on their next payday. In North Dakota, payday loans are legal but are subject to certain restrictions:

  • Borrowers can receive up to $500 in a payday loan.
  • The loan term cannot exceed 60 days.
  • The maximum interest rate is 20% of the loan amount.
  • Lenders must be licensed with the state.

It’s important to note that while payday loans are legal in North Dakota, they are heavily regulated to protect borrowers from predatory lending practices.

How Do Payday Loans Work in Harwood, North Dakota?

When you apply for a payday loan in Harwood, North Dakota, you will need to provide your personal and financial information, including your income and employment status. The lender will then determine the maximum amount you can borrow and the loan term. If you agree to the terms, you will receive the loan amount in cash, on a prepaid debit card, or through a direct deposit into your bank account.

On the due date, the lender will either deposit your check or electronically withdraw the loan amount, plus fees and interest, from your bank account. If you cannot repay the loan on time, you may be charged additional fees and interest.

Are Payday Loans a Good Idea?

While payday loans can be a convenient way to get quick cash, they come with high fees and interest rates. In Harwood, North Dakota, the maximum interest rate is 20% of the loan amount, which can quickly add up if you cannot repay the loan on time. Additionally, payday loans can lead to a cycle of debt if borrowers continually take out loans to cover their expenses.

Before taking out a payday loan, it’s important to consider other options, such as borrowing from friends or family, negotiating with creditors, or applying for a personal loan. Additionally, creating a budget and building an emergency fund can help prevent the need for payday loans in the future.

Apply Now

If you’ve weighed the pros and cons and have decided that a payday loan is the right option for you, TheGuaranteedLoans can help. As a connector service, we work with a network of trusted lenders who can provide you with the cash you need. To get started, simply fill out our online application, and we’ll connect you with potential lenders who can provide you with the loans you need.

Fun Facts About Payday Loans in Harwood, North Dakota

  • North Dakota was one of the first states to regulate payday loans, with laws in place since 1941.
  • The average payday loan in North Dakota is $380.
  • In 2019, North Dakota saw a 22% increase in the number of payday loans compared to the previous year.

Remember, payday loans should only be used as a last resort and must be repaid on time to avoid excessive fees and interest. Be sure to understand the terms and conditions of your loan and only borrow what you can afford to repay.

F.A.Q.

How do I know if I am eligible for a payday loan in Harwood, North Dakota?

To be eligible for a payday loan in Harwood, North Dakota, you must be at least 18 years old, have a valid ID and Social Security number, and have a steady source of income. You may also need to provide proof of your income, such as pay stubs or bank statements, to verify your ability to repay the loan.

Can I be denied a payday loan in Harwood, North Dakota?

Yes, you may be denied a payday loan in Harwood, North Dakota if you do not meet the lender's eligibility requirements or if you have a poor credit history. If you are denied a loan, you may be able to appeal the decision or explore other options for borrowing money.

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