Payday Loans in Fargo, North Dakota

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Payday Loan Companies in Fargo, ND

Company nameAddressZip codePhone number
AgCountry Farm Credit Services 1900 44th St S 58103 +1 (701) 282 - 9494
Alerus 3137 32nd Ave S 58103 +1 (701) 280 - 5067
Ameri-Cash 1617 S University Dr 58103 +1 (701) 235 - 9555
Ameri-Cash 3060 25th St S Suite A 58103 +1 (701) 235 - 9555
American Federal Bank 1301 30th Ave S 100 58103 +1 (701) 235 - 9906
American General Financial Group: Anstadt David CPA 1121 Westrac Dr 106 58103 +1 (701) 234 - 9499
Americash 2305 Main Ave 58103 +1 (701) 234 - 9990
Ascensus Trust 1655 43rd St S 100 58103 +1 (701) 234 - 0207
Bank of the West 3203 32nd Ave S 58103 +1 (701) 298 - 3232
Bell Bank 3100 13th Ave S 58103 +1 (701) 298 - 1500
BlackRidgeBANK 4040 42nd St S O 58104 +1 (701) 364 - 9050
Bremer Bank 1444 45th St S 58103 +1 (701) 492 - 2600
Choice Bank 4501 23rd Ave S 58104 +1 (701) 356 - 9700
Choice Insurance 3175 Sienna Dr S 102 58104 +1 (701) 356 - 9895
City & County Employees' CU 316 10th St N 58102 +1 (701) 237 - 4493
CoBank Regional Banking Center Fargo, ND 4143 26th Ave S 101 58104 +1 (800) 542 - 8072
Concorde Financial 720 28th St S 58103 +1 (701) 293 - 1524
Cornerstone Bank 2280 45th St S A 58104 +1 (701) 364 - 9630
Corwin Toyota of Fargo 222 40th St S 58103 +1 (701) 282 - 8425
Dakota Business Lending 5630 36th Ave S 58104 +1 (701) 293 - 8892
Dakota Certified Development Corporation 4133 30th Ave S #100 58104 +1 (701) 293 - 8892
Evergreen Tax Services & Accounting 1351 Page Dr 200 58103 +1 (701) 552 - 9606
EZ Money Check Cashing 3041 Main Ave 58103 +1 (701) 234 - 0085
EZ Money Check Cashing 1833 S University Dr 58103 +1 (701) 293 - 7178
Fairway Independent Mortgage Corporation 3523 45th St S Suite 100, Suite 100 58104 +1 (612) 770 - 1064
Fargo VA Federal Credit Union 2101 Elm St N 58102 +1 (701) 280 - 0870
FFE Federal Credit Union 657 2nd Ave N 58102 +1 (701) 235 - 1359
First Class Mortgage - Fargo, ND 2300 13th Ave S 58103 +1 (701) 356 - 9898
First Community Credit Union 1404 12th Ave N 58102 +1 (701) 293 - 6132
First International Bank & Trust 3001 25th St S 58103 +1 (701) 232 - 1700
First National Bank 1200 Harwood Dr S C 58104 +1 (701) 235 - 1118
First National Pawn 2305 Main Ave 58103 +1 (701) 293 - 7370
Freedom Community Credit Union 2940 N University Dr 58102 +1 (701) 232 - 0828
Gate City Bank 500 2nd Ave N 58102 +1 (701) 293 - 2400
Gate City Bank 3909 13th Ave S 58103 +1 (701) 293 - 2477
Gate City Bank 2501 Broadway N 58102 +1 (701) 271 - 2600
Gate City Bank 1501 S University Dr 58103 +1 (701) 298 - 2832
Gate City Bank (in Hornbacher's) 1532 32nd Ave S 58103 +1 (701) 293 - 2470
Great Western Bank 5675 26th Ave S Ste 156 58104 +1 (701) 639 - 0615
Horace Mann Insurance - Shawn Rehm Agency 3033 Brandt Dr S 200 58104 +1 (701) 232 - 7353
Horace Mann Insurance Company 3033 Brandt Dr S 200 58104 +1 (701) 232 - 7353
HUB International 3315 45th St S 100 58104 +1 (701) 271 - 6630
Jackson Hewitt Tax Service 1525 S University Dr 58103 +1 (888) 325 - 1040
Mister Money USA (44) 3350 13th Ave S b 58103 +1 (701) 235 - 6130
Mister Money USA 44 1404 33rd St S Suite G 58103 +1 (701) 235 - 6130
Mister Money USA 63 3350 13th Ave S b 58103 +1 (701) 282 - 6782
Money Lenders 1410 9th St E 58078 +1 (701) 356 - 0810
Money Lenders 2305 Main Ave 58103 +1 (701) 234 - 9990
Money Lenders 3402 13th Ave S 58103 +1 (701) 232 - 0287
Money Lenders 1617 S University Dr 58103 +1 (701) 235 - 9555
Northland Educators Federal CU 1404 12th Ave N 58102 +1 (701) 293 - 6132
Pebblestone Financial 3350 35th Ave S 58104 +1 (800) 832 - 4110
Peoples Home Equity Mortgage - Loan Officer Joel Fischer NMLS1552467 3575 45th St S Suite 100 58104 +1 (701) 367 - 2434
Postal Family Federal Credit Union 2730 12th Ave S 58103 +1 (701) 232 - 6910
Raymond James Financial Services 1444 45th St S 58103 +1 (701) 492 - 2625
RBC Wealth Management Branch - Fargo 2631 12th Ave SW B 58103 +1 (701) 298 - 4000
Red D Cash 3060 25th St S 58103 +1 (701) 235 - 4210
Republic First Funding 3523 45th St S Suite 100-102 58104 +1 (877) 452 - 9126
Roger Greenley - Prudential Financial 3481 S University Dr 205 58104 +1 (701) 232 - 1442
S.A.M. Check Cashing Machine 1401 33rd St S 58103 +1 (701) 237 - 4120
Schumacher Goodyear - Auto, Tire & Brake Service Fargo, ND 3401 13th Ave S 58103 +1 (701) 293 - 3311
Security Insurance & Investment Center, Inc. 4733 Amber Valley Pkwy S 105 58107 +1 (701) 306 - 1269
Steve Asche - Thrivent 3575 45th St S Suite 108 58104 +1 (701) 293 - 9358
Student Loan Service Center 1440 N University Dr 58102 +1 (701) 231 - 9545
TIAA Financial Services 1142 17th St N Suite D 58102 +1 (855) 842 - 2087
Town & Country Credit Union 1501 32nd Ave S 58103 +1 (701) 356 - 1800
U.S. Bank ATM - Fargo North 1900 N University Dr 58102 +1 (800) 872 - 2657
U.S. Bank ATM - Fargo West Acres 3802 13th Ave S 58103 +1 (800) 872 - 2657
U.S. Bank Branch 1301 12th Ave N 58102 +1 (701) 293 - 2841
United Savings Credit Union 1001 1st Ave N 58102 +1 (701) 235 - 2832
United States Postal Service 1455 32nd St S 58103 +1 (800) 275 - 8777
Used-A-Bit Sales and Pawn 2105 Main Ave Suite A 58103 +1 (701) 239 - 9041
Variety Bad Credit Loans 3451 Fiechtner Dr S 58103 +1 (701) 436 - 9288
Walmart Money Center 3757 55th Avenue South 58104
Wells Fargo Bank 2501 13th Ave S 58103 +1 (701) 241 - 5959
Wells Fargo Home Mortgage 406 Main Ave 58103 +1 (701) 293 - 4228
Wells Fargo Home Mortgage 1401 13th Ave E 58078 +1 (701) 433 - 3687
Wells Fargo Home Mortgage 2501 13th Ave S 58103 +1 (701) 241 - 5985
West Fargo Pioneer 101 5th St N 58102 +1 (701) 451 - 5718
Western State Bank 4302 13th Ave S 58103 +1 (701) 356 - 9800

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Fargo, ND

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

58109, 58121, 58103, 58122, 58124, 58105, 58126, 58104, 58108, 58102, 58107, 58125, 58106, 58123

Are Payday Loans Legal In Fargo, 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

Fargo, ND payday loan calculator

Payday loans can be a convenient solution to your financial problems when you need quick cash, but they are not a long-term solution to your debt issues. Suppose you choose to take out one of these loans and fail to negotiate repayment terms with the lender. In that case, it is possible that interest rates could rise exponentially, and the balance you owe can become insurmountable.

Payday loan lenders have been criticized for their lack of transparency in collecting and using the information on borrowers and for providing poor quality service.

Many payday loan borrowers are often surprised at how easy it is to get a payday loan and how easily it can be applied. Most lenders require no collateral, background checks, or credit checks to be performed. However, it is wise to take advantage of lower interest rates and longer repayment terms available on other types of loans in today’s economy. Repayment options are costly when owed on a payday loan because interest accrues during the extension of your loan period.

Payday loans are short-term loans that can pay daily expenses such as rent, car repair, medical bills, or credit card payments. The lender approves the loan, and the customer’s bank account is drafted the next business day. Payday loan borrowing comes with high-interest rates and fees but can provide a valuable service to people in a pinch if they are careful.

How to Find a Good Direct Lender in Fargo, North Dakota Online?

While it may be easier to apply for a payday loan online, it is imperative to check the details of the institution and the associated local authority first. Many scam websites take applications under pretenses, offering them loans with artificially low-interest rates. They are not entitled to any government-issued license or consumer protection in North Dakota. Before taking out a payday loan, it is important to check that the lender is fully licensed and issued a registration certificate by the city district. Online payday lenders who do not hold any valid permit to operate in the state may be operating illegally. This may leave you liable for legal charges, penalties, fines, and even imprisonment in case of default on your loan.

The following are common terms and conditions which apply to a payday loan in Fargo, North Dakota:

  1. Interest rate – The payday loan interest rate is usually extremely high, forcing borrowers to pay back the full amount of their loan within a short period. The typical rate is around 39% but depends on the lender. Borrowers can also opt for a payday loan with installment options to spread the payments over different installments with an interest rate lower than the original one. The Federal Trade Commission lists the average short-term interest rates recorded in 2011 and 2012.
  2. Fees – Payday loan fees are prepayment fees charged to the borrower before the lender releases the funds, such as $15 for pre-approved payday loans, $25 for cash advances, and $10 for direct payments payment loans. Pre-approved payday loans are generally easier to obtain and require minimum documentation from the borrower, such as a bank statement or an email address from an employer or financial institution. Cash advances are more difficult to get approved. They require the borrower to have a bank account in their name with a positive balance, which needs to be verified through electronic means. Direct payment loans are granted only to borrowers eligible for direct deposit.
  3. Documentation – Payday loans require very little documentation from the borrower, and most of this documentation is self-reported by the customer. The lender may need to see an applicant’s bank account statement and proof of employment. Some lenders may also ask for a driver’s license or social security card if they need a credit check. The borrower can upload scanned copies of all required documents per the lender’s website instructions when applying for a payday loan.
  4. Application and application form – Some payday loan websites require applicants to fill in an application form that can include personal details such as the applicant’s name, address, phone number, emails, and bank accounts. All direct lenders will ask for certain information such as current employment status, monthly income, and records of other loans paid back in full. The application process usually takes about 10 minutes, but some may request more applicants’ documentation, such as a scanned copy of their bank account statement.
  5. Timing – Payday loans are usually approved within a short period, and the funds are transferred to the borrower’s bank account within a few short hours. However, they can take up to 30 days for direct payment loans. Cash advances are quite rare, and most payday loan lenders will only apply for this type of loan after borrowers have cleared their previous obligation with another lender.
  6. Loan amount – A payday loan depends on the borrower’s amount to use it for. It is advisable to request larger amounts than one can afford to help borrowers save on interest. Although lenders may require borrowers to repay the full amount of their loan, some may offer extensions.

24 Hour Payday Loans in Fargo, North Dakota

On average, payday loans cost between $15 and $25 per $100 borrowed. However, they are not covered by banks or credit unions in most states. The Fannin County District Court prohibits the collection of any interest or charges on payday loans.

Cash Advance Loans in Fargo, North Dakota

Direct Lenders offer cash advances to borrowers with a bank account. They provide speedy service and a wide choice of repayment options with flexible dates for repaying the loan. Direct payment loans do not come with any set repayment period as they are usually granted on a case-by-case basis.

Figure out the total amount you will need for your needs and not exceed that limit. Failing to repay the loan on time may enhance your credit rating. Also, consider the amount that is affordable to you. You do not want to take a loan just because you can afford it, but you also want it to be affordable.

However, there are times in which customers may opt for payday loans because they cannot wait for some time for their needs to be met. And this is when payday loans prove themselves as more than helpful options. Here are the requirements for getting a loan in Fargo, North Dakota:

  • A person must have a minimum of $1,000 to pay back the loan.
  • Any loans from another institution must not damage a person’s credit rating. 
  • There is no maximum amount as to how long a person has been without making their monthly payments before they can get assistance from the payday loan store. 
  • The total amount of loans one individual can take in is capped at 50 and cannot exceed that. 
  • -The total period of all those loans does not exceed three years or 250 days.

Can I Get a Payday Loan for Bad Credit in Fargo, North Dakota?

The short answer is yes. The longer answer is that you will usually need to put up some collateral to secure the loan. If you own a home, a car, or have any other type of valuable asset, the lender may ask you to use it as collateral for the loan. The lender will take your property or help if you fail to make your scheduled payments. Some lenders will allow you to borrow up to $1,000 even if you have bad credit, but this amount is usually very small compared to the money you would typically pay back.

Can you get a payday loan in Fargo, North Dakota without a bank account?

Yes. You can get cash advances if you do not have a bank account. However, you will need to find a lender that will allow you to borrow money without having a bank account. You might have to pay the lender a higher interest rate when compared to people with bank accounts, but it is still possible to get cash advance loans without bank accounts. The average interest rate for loans made without bank accounts is between 300 and 500 percent compared with the 15-17 percent charged by institutions that do not allow payday advance loans.

FAQ

Can I Borrow $1000 with a 24-Hour Loan in Fargo, North Dakota?

Fargo, North Dakota, payday lenders, and cash advance loans are easy to get approved. Depending on your state, you may require a minimum wage job or a credit check.

Are Same Day Loans in Fargo, North Dakota, real?

Yes, these are real and well-founded options for borrowers that cannot wait for more time. There are no hidden fees, and the required documentation is minimal.

Do I Need a Credit Check to get a payday loan in Fargo, North Dakota?

The lender may require you to submit some form of documentation, such as your social security number or your bank statement. Also, depending on the lender, you may be asked for your paycheck stubs and previous bank records to prove steady employment and current income.

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