Payday Loans in Portal, North Dakota

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

Company nameAddressZip codePhone number
Jay's Pawn Shops 303 Airport Rd, Bismarck, ND 58504 +1 (701) 222 - 2147
Capital Credit Union 131 Main St W, Beulah, ND 58523 +1 (701) 748 - 6868
ATM Dacotah Bank 148 Central Ave S, Valley City, ND 58072 +1 (800) 627 - 3999
Steve Asche - Thrivent 3575 45th St S Suite 108, Fargo, ND 58104 +1 (701) 293 - 9358
Riverfork Federal Credit Union 711 N Washington St 101, Grand Forks, ND 58203 +1 (701) 775 - 0593
Dillon Neuberger at Guaranteed Rate - NMLS 502073 1600 2nd Ave SW Suite 31, Minot, ND 58701 +1 (701) 870 - 2661
Jay's Pawn Shop 1037 E Interstate Ave, Bismarck, ND 58503 +1 (701) 323 - 7744
Wells Fargo Bank 3071 W Ridge Dr, Dickinson, ND 58601 +1 (701) 483 - 3333
Alerus 503 Washington Ave, Northwood, ND 58267 +1 (701) 587 - 5101
Student Loans of North Dakota 1200 Memorial Hwy, Bismarck, ND 58504 +1 (701) 328 - 5660

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Portal, ND

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

58772

Are Payday Loans Legal In Portal, 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

Portal, ND payday loan calculator

Understanding Payday Loans in Portal, North Dakota

Payday loans are a type of short-term loan that can help individuals make ends meet when they are in a bind. In Portal, North Dakota, payday loan options are available for those in need. However, it’s important to understand how they work, the fees associated with them, and what alternatives are available.

How Payday Loans Work in North Dakota

In North Dakota, payday loans are legal and regulated by the North Dakota Department of Financial Institutions. Payday lenders must be licensed and must conform to the state’s regulations, which establish the maximum amount you can borrow, the maximum interest rate, and the maximum term of the loan.

In North Dakota, you can borrow up to $500 with a payday loan, and the loan must be repaid within 60 days. The interest rate is capped at 20%, and lenders may charge a fee of up to $20 for each $100 borrowed. This fee is commonly referred to as an “origination fee” or “application fee.”

Pros and Cons of Payday Loans

Payday loans can be a quick solution for those who need cash in a hurry. However, they come with a number of disadvantages as well. Here are some pros and cons to consider:

Pros:

  • Quick access to cash
  • No credit check required
  • Relatively easy application process

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potential for cycle of debt

It’s important to weigh these pros and cons carefully before deciding if a payday loan is right for you. If you decide to go ahead with a payday loan, make sure you understand all the fees and repayment terms before signing any agreements.

Alternatives to Payday Loans

If you’re in need of cash but are wary of payday loans, there are several alternatives to consider:

  • Credit card cash advance
  • Personal loan from a bank or credit union
  • Alternative payday loans
  • Short-term loan from a family member or friend
  • Selling unwanted items

Each of these alternatives has its own pros and cons, so be sure to do thorough research before deciding which option is best for you.

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

  • In 2019, the average payday loan in North Dakota was $365 with an average fee of $53.58.
  • In North Dakota, the number of payday loan locations is limited to one per 1,000 residents.
  • The North Dakota Department of Financial Institutions has received 324 complaints about payday lending since 2012.

Apply Now

If you decide that a payday loan is the right choice for you, TheGuaranteedLoans can help connect you with potential lenders. Please note that we are not a direct lender, but rather a loan connector service. Fill out an online application today and get the cash you need to cover your expenses.

Remember to borrow responsibly, and only borrow what you can afford to repay.

F.A.Q.

Is there a maximum loan amount for payday loans in Portal, North Dakota?

Yes, the maximum loan amount for payday loans in Portal, North Dakota is $500.

Do I need to have a checking account to get a payday loan in Portal, North Dakota?

Yes, you will need to have a checking account to get a payday loan in Portal, North Dakota. The lender will require a blank check to electronically withdraw the loan amount and any fees on the agreed-upon repayment date.

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