Payday Loans in Oriska, North Dakota

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

Company nameAddressZip codePhone number
Town & Country Credit Union 1525 24th Ave SW, Minot, ND 58701 +1 (701) 852 - 4027
Bremer Bank 910 Hill Ave, Grafton, ND 58237 +1 (701) 352 - 2410
Horace Mann Insurance Company 3033 Brandt Dr S 200, Fargo, ND 58104 +1 (701) 232 - 7353
Bell Bank 717 2nd Ave N, Wahpeton, ND 58075 +1 (701) 672 - 2265
First State Bank 612 Broadway St, Thompson, ND 58278 +1 (701) 599 - 2600
Merchants Bank 210 S Main Ave, Rugby, ND 58368 +1 (701) 776 - 5811
Alan Van Delinder - Ameriprise Financial Services, LLC 1111 31st Ave SW Ste A, Minot, ND 58701 +1 (701) 837 - 9226
Dakota Community Bank & Trust 609 Main St, Hebron, ND 58638 +1 (701) 878 - 4416
Schauer & Associates, P.C. CPAs 111 9th St SW 203, Jamestown, ND 58401 +1 (701) 252 - 5422
K Scott Roche - TIAA Financial Consultant University of N.D. Lower Level Memorial Union Room 7A, Grand Forks, ND 58202 +1 (704) 988 - 3004

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oriska, 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, Same Day 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 Oriska, ND.

Beautiful sights of Oriska, ND

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

58063

Are Payday Loans Legal In Oriska, 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

Oriska, ND payday loan calculator

Payday Loans in Oriska, North Dakota: What You Need to Know

When unexpected bills arise, financial emergencies happen, or simply an individual is low on cash, many people in Oriska, North Dakota turn to payday loans as a solution to their short-term financial needs.

A payday loan is a small, short-term loan that is typically due on the borrower’s next payday. These loans are also referred to as cash advances or paycheck advances, as they are often used to cover expenses until the borrower’s next paycheck arrives.

Payday Loans in North Dakota: Are They Legal?

It is true that payday loan laws can vary widely from state to state. In North Dakota, payday loans are legal, but with some key restrictions.

  • Maximum loan amount: $500
  • Maximum loan term: 60 days
  • Maximum finance charge: 20% of the loan amount, plus a $20 fee
  • No rollovers allowed

It is important to note that North Dakota law prohibits loan companies from charging more than 20% interest on loans under $1,000. For loans of $1,000 or more, the maximum interest rate is 18%. This includes all fees and charges associated with the loan.

The Application Process

Applying for a payday loan in Oriska, North Dakota is typically a pretty simple process. Borrowers can either go to a brick-and-mortar loan office or apply online through a lender’s website.

Most lenders will require borrowers to provide the following information:

  • Proof of income (pay stub, bank statement, etc.)
  • Valid identification
  • Bank account information
  • Contact information

After review, if approved, borrowers can typically expect to receive their loan proceeds within one business day. Some lenders may offer same-day funding for an additional fee.

Repayment Terms

As mentioned earlier, payday loans are typically due on the borrower’s next payday. However, some lenders may offer longer repayment terms depending on the borrower’s financial situation. It is important to carefully review the loan agreement and repayment terms before signing to understand when the loan is due and any penalties for late or missed payments.

If a borrower is unable to repay the loan on the agreed-upon date, the lender may charge additional fees or interest. However, North Dakota law prohibits lenders from rolling over or renewing payday loans, meaning borrowers cannot extend or renew their loan.

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

  • In North Dakota, payday loans make up only a small percentage of the state’s lending market. In fact, payday loans account for less than 1% of all loans in the state.
  • Between 2000 and 2010, North Dakota had the highest growth rate in payday loan stores among all U.S. states. However, since then, the number of payday loan stores has declined significantly.
  • The average payday loan size in North Dakota is $350.
  • North Dakota has some of the strictest payday loan regulations in the country.

Applying for a Payday Loan with TheGuaranteedLoans

If you’re considering a payday loan to cover unexpected expenses or financial emergencies, TheGuaranteedLoans can help connect you with trusted lenders in Oriska, North Dakota. Simply fill out our online application, and we’ll work to connect you with a lender that meets your needs and financial situation.

It’s important to note that TheGuaranteedLoans is not a lender but a connector service, meaning we do not provide loans directly. We work to facilitate your connection with potential lenders to help you get the funds you need.

Don’t fall behind on bills or struggle with unexpected expenses. Apply now for a payday loan with TheGuaranteedLoans and get the funds you need to take control of your finances.

F.A.Q.

Are there any restrictions on the number of payday loans a borrower can take out in Oriska, North Dakota?

Yes, there is a limit to the number of payday loans that a borrower can take out in Oriska, North Dakota. A borrower cannot have more than two outstanding payday loans at any given time, and cannot take out a third loan until the first two have been repaid in full.

Is there a cooling-off period between payday loan transactions in Oriska, North Dakota?

Yes, there is a cooling-off period of 24 hours between payday loan transactions in Oriska, North Dakota. This means that a borrower cannot take out a new payday loan until 24 hours have passed since the last loan was repaid or extended.

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