Payday Loans in Hunter, North Dakota

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

Company nameAddressZip codePhone number
Wells Fargo Bank 1401 13th Ave E, West Fargo, ND 58078 +1 (701) 433 - 3660
Rural Development 220 E Rosser Ave # 208, Bismarck, ND 58501 +1 (701) 250 - 3905
ND LAUNDRY AND CHECK CASHING SERVICES 10 72nd St E, Williston, ND 58801 +1 (701) 572 - 6082
U.S. Bank Branch 502 2nd Ave N, Wahpeton, ND 58075 +1 (701) 642 - 9577
First Community Credit Union 200 Main St N, Lakota, ND 58344 +1 (701) 247 - 2759
EZ Money Check Cashing 1545 S Broadway St, Minot, ND 58701 +1 (701) 837 - 6333
First State Bank of Cando 415 Main St, Cando, ND 58324 +1 (701) 968 - 3331
Citizens Community Credit Union 1117 US-2, Devils Lake, ND 58301 +1 (701) 662 - 8118
United States Postal Service 505 Broadway St, Tower City, ND 58071 +1 (800) 275 - 8777
U.S. Bank ATM - Bismarck North 3318 N 14th St, Bismarck, ND 58503 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

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

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

58048

Are Payday Loans Legal In Hunter, 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

Hunter, ND payday loan calculator

Understanding Payday Loans in Hunter, North Dakota

Payday loans are a popular type of short-term loan that many people in Hunter, North Dakota use when they need emergency cash. These loans are typically easy to get, and the application process is simple. However, it’s important to understand how payday loans work and the potential risks involved before you decide to take one out.

What Are Payday Loans?

Payday loans, also known as cash advances or paycheck advances, are short-term loans that are usually due on your next payday. These loans are often used by people who need quick cash to cover unexpected expenses, such as medical bills or car repairs, or to pay bills when money is tight.

Payday loans are typically small amounts, usually ranging from $100 to $1,000, depending on your income and state laws. The loans are meant to be repaid in full on your next payday, along with any fees and interest. Some lenders offer installment loans, which allow you to make multiple payments over time rather than paying the loan back all at once.

How Do They Work?

To apply for a payday loan in Hunter, North Dakota, you need to have a steady source of income and a bank account. You’ll be asked to provide proof of income, such as a pay stub, and your bank account information. The lender will then deposit the funds directly into your bank account.

On your next payday, the lender will automatically withdraw the loan amount, plus fees and interest, from your bank account. If you can’t afford to repay the loan in full on your next payday, you can sometimes roll the loan over and pay additional fees to extend the due date. However, this can quickly become expensive and lead to a cycle of debt.

Understanding the Risks

While payday loans can be a convenient way to get quick cash, they come with some significant risks. The major risk is that the high fees and interest rates associated with payday loans can quickly add up, making it difficult to repay the loan and get back on track financially.

In North Dakota, the maximum interest rate that lenders can charge on payday loans is 20% of the loan amount, plus a $20 fee. While this may seem like a small amount, it can quickly add up if you roll over the loan multiple times.

Additionally, some payday lenders in North Dakota may engage in predatory practices, such as trying to convince borrowers to take out larger loans than they need or using aggressive collection tactics if the borrower can’t repay the loan on time. It’s important to work with a reputable lender and to read the loan agreement carefully before signing.

Interesting Facts and Statistics

  • The average payday loan in North Dakota is for $325 and has an APR of 487.50%.
  • In 2019, North Dakota residents borrowed over $32 million in payday loans.
  • North Dakota is one of 37 states that allows payday lending.
  • There are approximately 63 payday lending storefronts in North Dakota.

Apply Now

If you need emergency cash and are considering a payday loan in Hunter, North Dakota, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application, and we’ll match you with lenders who may be able to offer you a loan. Keep in mind that TheGuaranteedLoans is not a direct lender and only serves as a connector service. We’ll facilitate the connection between you and potential lenders, but we don’t make any lending decisions.

Remember, payday loans should only be used for emergency expenses when you have no other options. Make sure you understand the terms of the loan and the potential risks before you apply.

F.A.Q.

Can borrowers file complaints against payday lenders in Hunter, North Dakota if they feel they have been treated unfairly or illegally?

Yes, borrowers can file complaints against payday lenders in Hunter, North Dakota if they feel they have been treated unfairly or illegally. Complaints can be filed with the North Dakota Department of Financial Institutions, which is responsible for regulating the payday lending industry in the state.

Can payday lenders garnish a borrower's wages if they default on a payday loan in Hunter, North Dakota?

Yes, payday lenders can garnish a borrower's wages if they default on a payday loan in Hunter, North Dakota. In order to garnish wages, the lender must first obtain a court judgment against the borrower and then request permission from the court to garnish the wages.

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