Payday Loans in Mountain, North Dakota

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

Company nameAddressZip codePhone number
United States Postal Service 15 E 1st St, Dickinson, ND 58601 +1 (800) 275 - 8777
American Federal Bank 504 1st Ave, Northwood, ND 58267 +1 (701) 587 - 5333
Bank of the West 150 W Villard St, Dickinson, ND 58601 +1 (701) 483 - 0801
Stifel 219 1st Ave S, Jamestown, ND 58401 +1 (701) 251 - 1152
Jay's Pawn Shops 303 Airport Rd, Bismarck, ND 58504 +1 (701) 222 - 2147
Western State Bank 755 13th Ave E, West Fargo, ND 58078 +1 (701) 277 - 5003
Western Co-Op Cu 701 Main St, Hebron, ND 58638 +1 (701) 878 - 4063
Merchants Bank 210 S Main Ave, Rugby, ND 58368 +1 (701) 776 - 5811
Bank Forward 430 W Main St, Valley City, ND 58072 +1 (701) 845 - 1220
Wells Fargo Home Mortgage 1401 13th Ave E, West Fargo, ND 58078 +1 (701) 433 - 3687

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mountain, 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, Short-term Loans in Grand Forks, ND, 24-Hour Loan in Minot, ND and No Credit Check 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 Mountain, ND.

Beautiful sights of Mountain, ND

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

58262

Are Payday Loans Legal In Mountain, 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

Mountain, ND payday loan calculator

Payday Loans in Mountain, North Dakota

If you’re living paycheck to paycheck or facing a financial emergency, payday loans can be a quick solution to help you stay afloat. In Mountain, North Dakota, payday loans are legal and can be a useful resource in times of need.

However, it’s important to understand the risks and potential drawbacks associated with payday loans before applying for one. Here’s what you need to know about payday loans in Mountain, North Dakota.

What is a Payday Loan?

A payday loan is a type of short-term borrowing that is typically due on your next payday. These loans are often intended to help people bridge the gap between pay periods and cover unexpected expenses, like car repairs or medical bills.

To apply for a payday loan, you’ll usually need to provide proof of income and a valid ID. You’ll typically receive the loan amount in cash or as a deposit into your bank account.

How Do Payday Loans Work?

When you apply for a payday loan, you’ll agree to repay the borrowed amount plus a fee within a set timeframe, typically two weeks to a month. The lender will require access to your checking account or a postdated check in the amount of the loan plus fees.

If you can’t afford to repay the loan on time, you may have the option to roll it over or extend it for an additional fee. However, this can quickly lead to a cycle of debt as the fees and interest can compound.

What are the Risks of Payday Loans?

Payday loans can come with high fees and interest rates, which can make them difficult to repay and lead to a cycle of debt. In North Dakota, the interest rate on payday loans is limited to 20% on the first $300 borrowed and 14% on any amount above that.

However, even with these limits, the fees and interest can add up quickly, making it difficult to pay back the loan. If you’re unable to repay on time, you could face additional fees or legal action from the lender.

What are the Alternatives to Payday Loans?

If you need to borrow money, there are many alternatives to payday loans that may be a better option. Here are a few to consider:

  • Personal loans: Personal loans are a type of installment loan that typically come with lower interest rates and fees. These loans are typically repaid over a longer period of time, often up to three years.
  • Credit cards: Credit cards can be a convenient way to borrow money when you need it. However, it’s important to be mindful of interest rates and fees.
  • Savings: If you have savings built up, it may be worth considering using them to cover unexpected expenses instead of taking out a loan.
  • Side hustle: If you’re in need of income, consider taking on a side hustle or gig work to help make ends meet.

Interesting Facts and Statistics about Payday Loans in Mountain, North Dakota

– In 2019, North Dakota lenders issued over 43,000 payday loans, with an average loan amount of $398.
– The total amount of fees charged by lenders in North Dakota in 2019 was over $11.5 million.
– In North Dakota, borrowers are allowed to take out a maximum of $500 in payday loans at a time, with a maximum term of 60 days.

Important Note: At TheGuaranteedLoans, we offer a connecting service to potential lenders who may be able to provide payday loans to those in need. We are not a direct lender and do not make any lending decisions. If you are considering a payday loan, it’s important to carefully weigh the risks and consider all of your options before committing to borrowing.

Apply Now

If you’re in need of a payday loan in Mountain, North Dakota, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of trusted lenders to help you get the loan that fits your needs. Fill out our online application today to get started.

F.A.Q.

Are payday loans legal in Mountain, North Dakota?

Yes, payday loans are legal in Mountain, North Dakota. The state has specific regulations in place to protect consumers, including limits on loan amounts and interest rates.

How do I apply for a payday loan in Mountain, North Dakota?

To apply for a payday loan in Mountain, North Dakota, you will need to visit a licensed payday lender in person and provide proof of income, identification, and a blank check. The lender will then review your information and determine if you are eligible for a loan.

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