Payday Loans in Wing, North Dakota

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

Company nameAddressZip codePhone number
Money Station 233 W Broadway Ave, Bismarck, ND 58501 +1 (701) 355 - 0569
United States Postal Service 4 N Raymond St, Northwood, ND 58267 +1 (800) 275 - 8777
Avantax Planning Partners formerly HK Financial Services 401 Demers Ave STE 300, Grand Forks, ND 58201 +1 (701) 795 - 7420
SWS Credit Services 910 Hill Ave, Grafton, ND 58237 +1 (701) 352 - 0813
Dacotah Bank 410 W Villard St, Dickinson, ND 58601 +1 (701) 225 - 1200
EZ Money Check Cashing 1545 S Broadway, Minot, ND 58701 +1 (701) 837 - 6333
Jackson Hewitt Tax Service 1000 Old Red Trail NW, Mandan, ND 58554 +1 (888) 325 - 1040
MoneyGram 20 26th St E, Williston, ND 58801 +1 (800) 666 - 3947
Bismarck Gold & Silver Exchange 212 N 4th St Suite 101, Bismarck, ND 58501 +1 (701) 258 - 9438
Thrivent Financial 807 Hill Ave, Grafton, ND 58237 +1 (701) 352 - 0695

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wing, ND, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bismarck, ND, Online Loans in Fargo, ND, Payday Loans in Grand Forks, ND, Payday Loan for Minot, ND and Same Day 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 Wing, ND.

Beautiful sights of Wing, ND

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

58494

Are Payday Loans Legal In Wing, 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

Wing, ND payday loan calculator

Understanding Payday Loans in Wing, North Dakota

When unexpected expenses come up and you need a quick cash injection, a payday loan can be a tempting solution. Payday loans are short-term loans that can help you cover bills and expenses until your next paycheck arrives. In North Dakota, payday loans are legal, and they can be a lifeline for those who need cash quickly.

How Do Payday Loans Work in Wing, North Dakota?

Payday loans work differently from traditional loans, such as personal loans or installment loans. Instead of borrowing a larger amount of money to be repaid over several years, you borrow a small amount of money, typically between $100 and $1000, to be repaid in full within two weeks to a month, depending on the lender’s terms and your payday schedule.

To obtain a payday loan in Wing, North Dakota, you’ll need to supply your personal information, proof of employment, and a postdated check or authorization for electronic withdrawal from your bank account. If you’re approved for a loan, the lender will deposit the money into your account, and then charge you a fee that is typically around $15 for every $100 borrowed.

It’s essential to note that payday loans can be costly, and the fees can add up quickly, especially if you roll over the loan to the following month. Therefore, it’s crucial to budget responsibly and only borrow what you can afford to repay. Before taking out a payday loan, it’s wise to explore other options, such as budgeting, negotiating with your creditors, or seeking help from a credit counseling service.

Benefits of Payday Loans in Wing, North Dakota

Despite the cost and potential risks associated with payday loans, the quick access to cash can be a significant advantage in certain situations. Below are some of the reasons why people consider taking out payday loans in Wing, North Dakota:

  • Emergency situations: If you have an unexpected expense, such as a medical emergency or car repair, payday loans can help you cover the cost until your next paycheck arrives.
  • Quick access to cash: Payday loans are easy to apply for, and the approval process can be completed quickly. If you need cash in a hurry, payday loans may be a faster option than traditional loans.
  • No credit requirements: Payday loans don’t require a credit check, so people with bad credit or no credit history can still be approved for a loan.

Payday Loan Regulations in North Dakota

North Dakota state law regulates payday loans, and there are specific rules that lenders must follow to protect consumers. Some of the regulations include:

  • Loan amount: Payday loans in North Dakota are limited to $500.
  • Interest rates and fees: Lenders can charge up to 20% interest on the loan, plus a $20 fee for non-sufficient funds (NSF) checks.
  • Loan term: Payday loans must be repaid within 60 days, and lenders cannot extend or renew the loan more than once.

It’s essential to note that North Dakota state law prohibits payday loan rollovers, which means you cannot take out another payday loan to pay off an existing one. Additionally, lenders cannot threaten to take legal action or harass you if you don’t repay the loan on time.

Interesting Facts and Statistics About Payday Loans in Wing, North Dakota

  • The payday loan industry in North Dakota: In 2020, there were 63 licensed payday loan locations in North Dakota, and the total number of payday loans issued was 113,143.
  • Borrower demographics: The average payday loan borrower is 44 years old, earns less than $40,000 per year, and has a credit score below 600.
  • Loan amounts and fees: The average payday loan amount in North Dakota is $325, and the average fee per loan is $53.47.

Apply Now for a Payday Loan in Wing, North Dakota

If you’re considering a payday loan in Wing, North Dakota, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of reputable lenders who offer payday loans and other types of short-term loans.

Our application process is simple and straightforward. Fill out an online application on our website, and we will match you with suitable lenders based on your needs and financial situation. You can compare loan offers and choose the one that works best for you.

Remember that payday loans can be expensive, and we encourage you to use them responsibly and only when you need them. If you have any questions or concerns, our customer support team is available to assist you.

F.A.Q.

Can borrowers file complaints against payday lenders in Wing, North Dakota if they feel they have been treated unfairly or illegally?

Yes, borrowers can file complaints against payday lenders in Wing, North Dakota if they feel they have been treated unfairly or illegally. Complaints can be filed with the North Dakota Department of Financial Institutions, which is responsible for regulating the payday lending industry in the state.

Can payday lenders garnish a borrower's wages if they default on a payday loan in Wing, North Dakota?

Yes, payday lenders can garnish a borrower's wages if they default on a payday loan in Wing, North Dakota. In order to garnish wages, the lender must first obtain a court judgment against the borrower and then request permission from the court to garnish the wages.

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