Payday Loans in Norwich, North Dakota

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

Company nameAddressZip codePhone number
Dakota Community Bank & Trust 4321 Memorial Hwy, Mandan, ND 58554 +1 (701) 663 - 8000
Credit Union Association of the Dakotas 2005 N Kavaney Dr, Bismarck, ND 58501 +1 (701) 258 - 5760
Twin City Motors 110 N Washington St, Grand Forks, ND 58203 +1 (701) 885 - 2393
Rob & Dan Schaner - Raymond James 2000 Schafer St, Bismarck, ND 58501 +1 (701) 223 - 7274
Horace Mann Insurance Company 3033 Brandt Dr S 200, Fargo, ND 58104 +1 (701) 232 - 7353
Western State Bank 4302 13th Ave S, Fargo, ND 58103 +1 (701) 356 - 9800
Premier Financial Services 503 Briggs Ave S, Park River, ND 58270 +1 (701) 284 - 7244
Mister Money USA (60) I-94BL, Jamestown, ND 58401 +1 (701) 251 - 9155
Gate City Bank 309 2nd Ave SW, Jamestown, ND 58401 +1 (701) 253 - 5000
KodaBank 529 E 5th St, Neche, ND 58265 +1 (701) 886 - 7521

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Norwich, 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, Same Day Loans in Grand Forks, ND, Payday Loan for Minot, ND and Payday Loan Without a Credit Check 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 Norwich, ND.

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

58768

Are Payday Loans Legal In Norwich, 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

Norwich, ND payday loan calculator

Payday Loans in Norwich, North Dakota

If you’re facing a sudden financial crisis and need money fast, payday loans may be a suitable solution for you. Payday loans provide unsecured, small-dollar, short-term loans typically intended to cover immediate expenses. Although payday loans in Norwich, North Dakota are legal, they are not the best option for long-term debt management. In this article, we’ll provide you with an in-depth guide to payday loans in Norwich, North Dakota.

How do payday loans work?

Payday loans are designed to cover emergency expenses between paychecks. To apply, simply visit a payday lender or submit an online application from the comfort of your home, and provide some basic information about yourself, your income, and your banking history. Approval for a payday loan is usually quick, and funds can be deposited to your bank account within 24 hours.

Repayment terms can vary, but typically the loan is due on your next payday. In North Dakota, state law caps the loan amount at $500 and requires a minimum loan term of four days and a maximum of 60 days. Lenders may charge up to 20% of the loan amount as a finance charge, as well as a $20 non-sufficient funds fee for any failed payment.

What are the requirements to apply for a payday loan in Norwich, North Dakota?

To apply for a payday loan in North Dakota, you must be at least 18 years of age, have a valid government-issued ID, provide proof of income, and have an active checking account. Some lenders may require additional documentation, such as a recent bank statement or proof of residence.

What are the benefits of payday loans in Norwich, North Dakota?

Payday loans in Norwich, North Dakota can provide quick and convenient access to cash in times of need. Unlike traditional bank loans, payday loans typically require less stringent credit checks, and borrowers with poor credit or no credit may still be eligible. Additionally, payday loans can help borrowers avoid late fees, overdraft charges, and other penalties associated with other forms of credit.

What are the risks of payday loans in Norwich, North Dakota?

Payday loans in Norwich, North Dakota come with high finance charges and fees that can make borrowing very expensive. Additionally, if you are unable to repay the loan on time, it can lead to a cycle of debt and financial hardship. Some borrowers may be tempted to take out additional payday loans to cover the original loan, leading to a debt trap that can be difficult to escape.

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

  • According to the North Dakota Department of Financial Institutions, there were 28 payday loan locations in the state in 2020.
  • The average payday loan amount in North Dakota was $390 in 2019, with an average finance charge of $54.
  • In 2016, the North Dakota Attorney General’s office settled with two payday lenders for violating state usury laws. The lenders were required to pay over $189,000 in restitution and fees.

Apply Now

If you’re considering a payday loan in Norwich, North Dakota, TheGuaranteedLoans.com can help. Our website is a connector service that can facilitate your connection with potential lenders. It’s important to remember that we are not a direct lender and do not make credit decisions. Our goal is to help you find a loan that meets your needs and suits your financial situation. To apply, simply fill out our online application and we’ll take care of the rest.

Remember to use payday loans responsibly, only as a short-term solution for emergency expenses. If you find yourself in financial difficulty, explore other alternatives such as credit counseling, debt consolidation or other forms of financial assistance. By making informed financial decisions and using payday loans with caution, you can regain financial stability and achieve your financial goals.

F.A.Q.

Are payday loans legal in Norwich, North Dakota?

Yes, payday loans are legal in Norwich, North Dakota, but they are subject to state regulations that aim to protect consumers from predatory lending practices. Payday lenders must be licensed by the state and follow all relevant laws when offering loans to residents of North Dakota.

What are the maximum loan amounts and fees for payday loans in Norwich, North Dakota?

The maximum loan amount for payday loans in Norwich, North Dakota is $500, and the maximum interest rate that can be charged is 36% per year. In addition to the interest, payday lenders can charge a one-time origination fee of up to $20 on loans of $100 or less, and a maximum fee of 10% on loans between $101 and $500.

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