Payday Loans in Horace, North Dakota

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

Company nameAddressZip codePhone number
United States Postal Service 209 Main St N, Lakota, ND 58344 +1 (800) 275 - 8777
RBC Wealth Management Branch - Fargo 2631 12th Ave SW B, Fargo, ND 58103 +1 (701) 298 - 4000
Valley Auto Credit 600 N Broadway, Minot, ND 58703 +1 (701) 857 - 1609
Raymond James Financial Services 105 3rd St SW, Rugby, ND 58368 +1 (701) 662 - 1287
Quick Lane Tire & Auto Center 332 US-2 2, Devils Lake, ND 58301 +1 (701) 662 - 7845
Watford City Bancshares Inc 100 N Main St, Watford City, ND 58854 +1 (701) 842 - 2381
Alerus 3137 32nd Ave S, Fargo, ND 58103 +1 (701) 280 - 5067
Bank of North Dakota 1200 Memorial Hwy, Bismarck, ND 58504 +1 (701) 328 - 5600
Jay's Pawn Shop 3101 Memorial Hwy, Mandan, ND 58554 +1 (701) 663 - 0708
BlackRidgeBANK 855 26th Ave E, West Fargo, ND 58078 +1 (701) 551 - 1320

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Horace, 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, Payday Loans in Fargo, ND, Payday Loans in Grand Forks, ND, Guaranteed 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 Horace, ND.

Beautiful sights of Horace, ND

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

58047

Are Payday Loans Legal In Horace, 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

Horace, ND payday loan calculator

Payday Loans in Horace, North Dakota – Everything You Need to Know

Are you living paycheck to paycheck and struggling to make ends meet? Do you have unexpected expenses or bills that need immediate attention? If you’re in a tight spot and need cash fast, a payday loan may be a solution. In this guide, we’ll discuss everything you need to know about payday loans in Horace, North Dakota.

What are Payday Loans?

Payday loans are a type of short-term borrowing designed to help individuals in temporary financial difficulties. Typically, these loans range from a few hundred dollars to a few thousand dollars and are repaid on the borrower’s next payday. These loans can be obtained quickly and easily without a rigorous credit check, making them a popular option for those with bad credit or no credit history.

Payday loans are available in many US states, including North Dakota, where they are legal and regulated by law. The North Dakota Century Code Section 13-08-01 et seq. governs the rules and regulations surrounding payday loans in Horace, North Dakota.

How Do They Work?

Payday loans are relatively simple to obtain. Typically, you’ll need to provide proof of income, a valid ID, and a checking account. The lender will ask you to post-date a check for the loan amount, plus interest and fees, which will be cashed on your next payday. Alternatively, you may also authorize the lender to withdraw the funds directly from your checking account on the due date.

The loan terms vary by lender, but typically have an interest rate of around 390% APR or more and must be repaid within a few weeks. If the borrower cannot pay, they may be subject to additional fees and penalties or may roll over the loan, which extends the due date and increases the interest rate.

Pros and Cons

Pros:

  • Easy application process
  • No credit check
  • Quick access to cash
  • Flexible use of funds

Cons:

  • High-interest rate
  • Short repayment terms
  • May lead to a debt cycle
  • May damage credit score

Interesting Facts and Statistics

Here are some facts and statistics about payday loans in Horace, North Dakota:

  • The average payday loan in North Dakota is $435
  • North Dakota has the lowest payday loan interest rates in the US, at 20% APR
  • Approximately 25% of North Dakota residents consider payday lending as a solution to their financial problems
  • Out of the 110 state-licensed payday lenders in North Dakota, 95 have headquarters outside the state

Apply Now

If you’re considering a payday loan in Horace, North Dakota, visit TheGuaranteedLoans website to explore your options. We’re a connector service that can help you connect with potential lenders that may be able to meet your borrowing needs. Keep in mind that we’re not a direct lender, and you’ll be contacted by potential lenders if you submit an application.

Remember, payday loans are a short-term solution to financial difficulties and should only be used in emergencies. Make sure to read the loan terms and conditions carefully and consider all of your options before taking out a loan to avoid getting trapped in a cycle of debt.

F.A.Q.

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

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

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