Payday Loans in Warwick, North Dakota

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

Company nameAddressZip codePhone number
KodaBank 307 Main St W, Cavalier, ND 58220 +1 (701) 265 - 8484
North Star Community Credit Union 210 Summit Dr, Minot AFB, ND 58704 +1 (701) 727 - 6111
First State Bank of North Dakota 318 Railway St, Enderlin, ND 58027 +1 (701) 437 - 2100
Dakota Community Bank & Trust 609 Main St, Hebron, ND 58638 +1 (701) 878 - 4416
Bank of the West 50 Wiley Ave N, Lidgerwood, ND 58053 +1 (701) 538 - 4545
North Star Community Credit Union 202 Division Ave S, Cavalier, ND 58220 +1 (701) 265 - 4355
Wahl Family Automotive 1005 US-2, Devils Lake, ND 58301 +1 (701) 662 - 9245
First International Bank & Trust Main St, Alexander, ND 58831 +1 (701) 828 - 3338
Rural Development 220 E Rosser Ave # 208, Bismarck, ND 58501 +1 (701) 250 - 3905
Town & Country Credit Union 3342 Sheyenne St, West Fargo, ND 58078 +1 (701) 356 - 1880

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Warwick, ND, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Bismarck, ND, Payday Loans in Fargo, ND, Payday Loans in Grand Forks, ND, 24-Hour Loan 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 Warwick, ND.

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

58381

Are Payday Loans Legal In Warwick, 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

Warwick, ND payday loan calculator

If you find yourself in need of quick cash in Warwick, North Dakota, payday loans may be a solution to your problem. These short-term loans are available to individuals who need cash immediately. While payday loans are legal in North Dakota, lenders must follow strict guidelines to protect borrowers from predatory practices.

How Payday Loans Work in Warwick, North Dakota

Payday loans are typically offered by storefront lenders, although there are also online lenders available. These loans allow individuals to borrow a small amount of money, usually ranging from $100 to $500, and repay it on their next payday. Eligibility requirements for payday loans are minimal, and you can qualify even if you have bad credit. All you need is a valid ID, proof of income, and a checking account.

Interest rates on payday loans in Warwick, North Dakota are slightly higher than traditional loans, but they are regulated to prevent predatory lending practices. To protect borrowers, North Dakota law allows lenders to charge up to 20% interest on the first $300 borrowed and 14% on any amount above $300. Additionally, there is a cap of $500 on the total amount that can be borrowed at any given time, including any fees and interest.

The Benefits of Payday Loans

Payday loans are a popular option for individuals who need quick cash. Here are a few benefits that make payday loans an attractive option:

  • Quick and easy application process
  • No credit check required
  • Flexible eligibility requirements
  • Fast access to cash

Because of these benefits, payday loans can be a good option if you need cash quickly and don’t have other options available.

The Risks of Payday Loans

While payday loans can be helpful in certain situations, they can also be risky. Before taking out a payday loan, it’s important to understand the potential risks involved:

  • High interest rates and fees
  • Short repayment terms
  • Renewal fees if you can’t repay on time
  • Potential for negative impact on credit score

It’s important to carefully consider these risks before taking out a payday loan. If you’re unable to repay the loan on time, you may incur additional fees and potentially harm your credit score.

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

  • In North Dakota, payday loans are legal with the interest rate cap of 20% on the first $300 and 14% on any additional amount up to $500.
  • North Dakota law requires lenders to provide borrowers with a written agreement outlining the terms and conditions of the loan.
  • As of July 2021, there are seven licensed lenders offering payday loans in Warwick, North Dakota.
  • The average payday loan amount in North Dakota is $375, and the average interest rate is around 416% APR (annual percentage rate).
  • In 2020, North Dakota residents borrowed approximately $10 million in payday loans, with an average of 112,000 loans issued.

Apply Now

If you’re considering a payday loan in Warwick, North Dakota, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and our goal is to facilitate your connection with trustworthy lenders who can provide you with the cash you need. To apply, simply fill out our online application form, and we’ll match you with lenders who may be able to offer you a payday loan that meets your needs and budget.

Remember, payday loans should be used as a last resort when other options aren’t available. Be sure to carefully consider the risks involved and only borrow what you can afford to pay back on time.

F.A.Q.

What should I consider before taking out a payday loan in Warwick, North Dakota?

Before taking out a payday loan in Warwick, North Dakota, it is important to carefully consider your financial situation and ability to repay the loan. Payday loans can be a costly form of credit, so it is important to make sure that you can afford the fees and interest charges. It is also a good idea to compare rates and terms from multiple lenders to find the best deal.

What are payday loans and how do they work in Warwick, North Dakota?

Payday loans are short-term loans that are typically used to cover unexpected expenses or emergencies until the borrower's next paycheck. in Warwick, North Dakota, payday lenders are required to follow state laws that regulate the terms and conditions of these loans, including maximum loan amounts, fees, and repayment periods.

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