Payday Loans in Upham, North Dakota

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

Company nameAddressZip codePhone number
First Class Mortgage - Fargo, ND 2300 13th Ave S, Fargo, ND 58103 +1 (701) 356 - 9898
Raymond James Financial Services 105 3rd St SW, Rugby, ND 58368 +1 (701) 662 - 1287
Gate City Bank 1501 S University Dr, Fargo, ND 58103 +1 (701) 298 - 2832
First International Bank & Trust 910 Lincoln Ave, Harvey, ND 58341 +1 (701) 324 - 5245
U.S. Bank ATM - Fargo West Acres 3802 13th Ave S, Fargo, ND 58103 +1 (800) 872 - 2657
New York Life 546 Brewster St E 1, Harvey, ND 58341 +1 (701) 324 - 2737
Rosemary L. Tanberg, CPA 206 Main St NW 809, Crosby, ND 58730 +1 (701) 965 - 6662
North Star Community Credit Union 1225 Hill Ave, Grafton, ND 58237 +1 (701) 379 - 2002
University Federal Credit Union 1575 17th Ave S, Grand Forks, ND 58201 +1 (701) 775 - 3738
Don Bessette Hyundai 1715 N Broadway, Minot, ND 58703 +1 (701) 852 - 3300

Payday Loan Companies in Nearby Cities

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

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

58789

Are Payday Loans Legal In Upham, 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

Upham, ND payday loan calculator

Payday Loans in Upham, North Dakota

Life sometimes throws curveballs that may require sudden financial attention. You may need to pay for an emergency car repair, a medical bill, or any other expense that you were not prepared for. In Upham, North Dakota, payday loans are available for individuals looking for temporary financial assistance in such situations.

Payday loans are short-term loans designed to help cover unexpected expenses that cannot wait till your next paycheck. People opt for payday loans because they offer a quick and easy solution to their pressing financial needs. However, before applying for a payday loan, it’s important to understand how they work, the risks associated with them, and the regulations and laws regarding them in Upham, North Dakota.

How Do Payday Loans Work?

When you apply for a payday loan, you agree to borrow a specific amount of money for a short period. You then sign a contract indicating that you will pay the loan amount and fees within a particular timeframe- usually two weeks or your next paycheck. In most cases, you will need to provide a post-dated check as collateral for the loan.

On the due date, the lender will cash the check, and you will have to repay the loan plus the interest and fees. If you are unable to pay back the loan, you have the option of rolling it over to the next payday. However, this comes at an extra cost, and the loan amount may continue to grow.

Are Payday Loans Legal in North Dakota?

Yes, payday loans are legal in North Dakota. However, the state has put regulations in place to protect borrowers from predatory lenders. According to North Dakota law, payday loans cannot exceed $500, and lenders must have a valid license to operate in the state.

The Risks Associated With Payday Loans

While payday loans may seem like an easy solution to your financial problems, there are a few risks to bear in mind.

  • High-Interest Rates: Although the amount borrowed may be small, payday loans come with high-interest rates, making them expensive. In North Dakota, lenders can charge up to 20% on the first $300 borrowed and 7.5% on amounts above $300.
  • Debt Trap: Since payday loans come with high interest and fees and short repayment periods, borrowers may find themselves in a cycle of debt, continually borrowing to pay off the prior loan.
  • Impact on Credit: Late repayments of payday loans may negatively affect your credit score.

Fact and Statistics About Payday Loans in Upham, North Dakota

  • North Dakota residents have a loan default rate of 2.36%, which is lower than the national average of 3.57%.
  • In 2018, North Dakota residents borrowed over $14 million in payday loans. This was a decrease from the $15 million borrowed in the previous year.
  • The majority of North Dakota residents who take payday loans are single, low-income earners with no college education.

Apply Now

If you find yourself in a position where you need a payday loan in Upham, North Dakota, TheGuaranteedLoans can help connect you with potential lenders in the area. Fill out our quick and easy online application, and we will match you with reputable lenders who can meet your financial needs. It’s important to remember that we do not lend money directly, but facilitate your connection with potential lenders.

Take the first step towards financial stability by filling out our application form today.

F.A.Q.

What are the consequences of defaulting on a payday loan in Upham, North Dakota?

If you default on a payday loan in Upham, North Dakota, the lender may pursue legal action to collect the unpaid amount. This could result in a negative impact on your credit score and potential financial penalties.

Are there alternatives to payday loans in Upham, North Dakota?

Yes, there are alternative financial options available to borrowers in Upham, North Dakota. These may include low-interest personal loans, credit union loans, or financial assistance programs. It is important to research and compare these options before taking out a payday loan.

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