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Speedy Payday Loans Online in North Dakota (ND)

Every person may have short-term money issues. With us, you will be able to solve minor financial difficulties without any problems and in the shortest possible time. To do this, you will not need to visit a lender’s office but simply fill out the application form. If approved for a loan, you will receive the necessary amount of money the same day you apply.

Speedy payday loans are available to every adult person who has a laptop, tablet or a smartphone with access to the Internet. To apply for a cash advance, you need only one document – a government-issued ID. The process takes no more than 15 minutes, which will especially appeal to people who do not like to waste their personal time.

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Payday Loans North Dakota: General Overview

Need a small-dollar loan for up to 30 days? Then a payday loan is a right way out. To get $100-$1,000 quickly, you can use our referral service. Applying for a speedy loan online is the only option if you have been rejected by the bank for any reason, for example, because you have a bad credit history or you want to do without paperwork and hard credit checks.

payday loanThe process involves no collateral, no guarantors and no income proof certificates. We have an extensive network of reputable lenders that issue online loans quickly, with no calls and checks.

You will spend no more than five minutes filling out the form. At the same time, you may not indicate the reason why you need money. The application is processed within a few minutes.

In addition, most clients receive a positive response, that is, you can get approved for a loan even if you have a bad credit history or outstanding debts.

Microfinance organizations from our network do not set tough borrower eligibility requirements, you only need to be a US citizen or permanent resident and be at least 18 years old.

The funds are transferred on the same day you apply. An online speedy loan is the only and easiest way to get money quickly in North Dakota. Not all people want to seek help from relatives and ask for money from friends. It is often much easier to take out a payday loan online.

How It Works: Step by Step Checklist

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Who Qualifies for Speedy Payday Loans in North Dakota

Payday lenders in ND have their own requirements that the borrower must meet, but common requirements are as follows:

  • North Dakota residence;
  • Steady income of at least $1,000 per month;
  • Valid bank account with direct deposit;
  • Phone number and e-mail address;
  • Social Security Number;
  • Government-issued photo ID.

In What Cases You Might Need Payday Loans

Common reasons why people use payday loans in North Dakota are:

What Makes Speedy Payday Loans Different?

We’re working hard to make payday loans as affordable as possible. We believe that all people should have access to short-term financial assistance which can help them to deal with urgent expenses even if they have less than perfect credit history.

If you’ve made the informed decision to apply for a payday loan online you can do so safe in the knowledge that Speedy Payday Loans can help you do so in the safest way possible. But remember we are not a direct payday lender. Instead, we work by matching borrowers with the right direct lenders for their individual needs, helping you to make a well-informed decision that’s best for you and your budget.

The Cost and Regulations Over Payday Loans in North Dakota

Below are the fees that you can expect to pay when you get a payday loan in North Dakota.

  • Finance charges. You cannot be charged more than $1 for every $5 you borrow if your loan amount is less than $30;
  • Maximum term. 31 days;
  • Maximum amount. $500;
  • Maximum APR. 309% for a 100 loan of 14 days;
  • Acquisition charges. If the loan amount is between $30 and $100, an acquisition charge is one-tenth of the loan amount. If your loan amount is more than $100, the acquisition charge cannot be more than $10.

Bad Credit Is No Barrier

How to get a loan urgently if the credit history is damaged? What are the requirements for borrowers? Today, many people take out loans to buy real estate, cars, household appliances, as well as for education, treatment, weddings, travel, etc. This allows you to acquire the necessary property or use a service without saving money for a long time. But if for some reason (for example, due to a decrease in salary or loss of a job), a person cannot pay off the debt on time, his credit history deteriorates. Even after the payment of the debt, the chances of approval of the application in the bank in the future are significantly reduced. But in our microfinance company, you can get an urgent loan even with a black CI.

The main requirement is to have a permanent source of income. The time of work in the last place must be at least 4 months. In this case, you do not need to provide proof of income. Both a working person and a pensioner can get an urgent loan in our microfinance organization. A bad credit history will not be an obstacle for this.

Here are some strategies to quickly improve your credit

  • Pay credit card balances strategically;
  • Pay bills on time;
  • Use a secured credit card;
  • Ask for higher credit limits;
  • Become an authorized user;
  • Dispute credit report errors;
  • Deal with collections accounts;
  • Get credit for rent and utility payments.

Know Your Payday Loan Rights in North Dakota

Payday lenders in North Dakota must determine if the applicant will be able to repay the loan. They must also verify the income data provided by the person and check a national database to find out if the person has several simultaneous payday loans.

State law requires payday lenders to provide borrowers with a contract that contains the following information:

  • that a payday loan is not designed to deal with long-term financial issues;
  • that customers should only use payday loans for short-term money needs;
  • that customers will have to pay additional fees if the loan is extended;
  • a schedule of fees for the payday loan;
  • that the process involves no ciollateral;
  • any additional information required by US law.

Keep in mind that you cannot be charged more than $20 for a bounced check or electronic payment withdrawal that was turned down for insufficient funds.

In North Dakota, it is prohibited to file charges if a borrower fails to pay off the loan on time. Also, lenders cannot arrest borrowers for defaulting on a payday loan. If a lender threatens you with arrest, inform your state attorney general about it.

If your lender claims to be located in another country, they are still required to comply with U.S. federal laws.

Benefits of Speedy Payday Loans

Online speedy loans have a number of significant advantages.

High approval rates. Almost everyone can get approved for a loan. The service is available even to disabled people, self-employed consumers, students and retired;

Payday lenders issue loans very quickly. The entire process takes no more than one hour, while you can get money even at night, on holidays or on weekends;

Purely online process. You do not need to go to a lender’s physical location to apply for a loan and get money. you can complete the process from the comfort of your home or office. It is enough to fill out the application form and wait for a money transfer to your bank account;

You do not need to prove your income. There is no paperwork involved, and you may get fast cash without collecting documents. If you do not have the opportunity to prove your income, then we will always help you;

Bad credit is ok. Banks prefer to issue loans only to consumers who have a good credit history. At the same time, payday lenders are ready to approve your request even if you have a low credit score or no credit. They are tolerant in this matter and realize that bad credit history can be a usual mistake of youth. With us, you can get a loan with any credit.

How to Repay a Loan

Getting a payday loan online is quite simple and the application process takes a few minutes, so the popularity of this method is growing daily. At the same time, now it is very easy to repay a loan.

Our online referral service has greatly simplified the process of repaying the loan – we cooperate with lenders that offer the opportunity to repay a loan not only in cash at the company’s physical location, by also via e-wallets, transfer via a bank account, via ATMs, or through Internet banking.

The most way to repay your loan is by using your bank account. This method makes it possible to exclude delays because the transfer comes almost instantly to the lender’s account and saves the personal time of the borrower.

You can close your loan around the clock. The system automatically identifies the user and closes the transaction, so you will not have to pay a penalty as a result of a payment delay. This makes speedy payday loans even more comfortable!

Consider Payday Loan Alternatives

  • Installment loans;
  • Personal loans online;
  • Debt consolidation loans;
  • Credit builder loans;
  • Credit cards;
  • Social services and local assistance programs;
  • Additional part-time jobs and freelance opportunities to earn extra cash;
  • Help from your employer, creditors, family and friends;
  • Traditional bank loans or loans from credit unions;
  • Recycling for money.

When Your Payday Loan Application Can Be Denied?

There can be several reasons why you can be declined for a loan. The most common ones why your application for a payday loan may be rejected are:

  • false or inaccurate personal details;
  • no income or bad employment history;
  • no valid bank account needed to deposit funds.

First of all, the lender will check if you are really able to pay off the loan. If you are employed, the lender can request from you certain documents, including a pay stub and bank statements. If you either do not have official work or are self-employed or retired, you may need to provide documents like tax forms, social security checks, or disability checks.

It is important to understand that even if you have a bad credit history, a speedy payday loan is the best variant for you. This service does not pay much attention to your credit history. It makes online payday loans the best in this field and far ahead of all competitors!

How the Government Regulates North Dakota Payday Loans

Payday loans in North Dakota ND are legal, and the government has taken all the necessary measures to ensure you get the best experience. Despite the opinion of some consumers that do not favor this product, the law sees payday loans as a worthy financial solution. Several other states in America have made them illegal because lenders take advantage of users in need of fast cash to avoid a debt trap. However, North Dakota is sure that the pros outweigh this con. Last year, the number of borrowers with at least five active payday loans in the state grew by 12%. However, the state eventually introduce new regulations to make the industry more beneficial and secure for both lenders and borrowers.

The financial services industry is currently regulated by the North Dakota Department of Business Oversight. The agency has been inventing policies that protect consumers. The Financial Code 23000 North Dakota Civil Code 1789.30 legalized both offline and online providers.

North Dakota Payday Loan Facts

Payday loans have been in North Dakota for several decades. They were initially offered in pawn shops. In 2001 the state legislature regulated the industry and introduced the first laws governing payday loans.

The average payday loan in the state is $337% of these loans come from brick-and-mortar lending stores, while 20% are from online services. Over 2 years, 38% of North Dakota borrowers default on their loans.

As the state allows borrowers to take out multiple loans, it’s important to be aware of your debt limit. Cash advance loans can be a useful, easy way to handle emergency expenses. Always try to make loan payments on time or request a loan extension.

Our Top Tips For Getting Approved

Apply for a loan in the morning during the working week to have a better chance of having the cash in your bank account the same day or the following morning.

Be prepared to confirm your income and personal data with digital copies of documents, so you can just upload them to your application form with the lender.

Clean up your credit. The higher your score, the better your approval chances. And check your reports for errors;

Don’t ask for too much cash. Requesting more money than what you need to deal with your problems can be seen as risky by lenders and may make it more difficult to get approved.

Why Our Payday Loans North Dakota Are the Best?

We do our best to ensure that our online payday loans please our customers with their speed, accessibility and transparency. We are always honest with our clients, and you will always know how much you borrow and when your loan is due. All lenders from our network are credible and neer require from the borrower to repay more than the total loan amount specified in the contract (provided that you conscientiously fulfill your obligations). If possible, you can repay the loan early without overpaying for those days in which you did not use the funds.

Everyone who uses our online referral service may be sure that their personal information is safe and secure. We use modern technologies, which prevent third parties from getting access to your personal data. This makes speedy payday loans as easy and safe as possible.

Reputation is very important for us, therefore, we do our best to fulfill all our obligations and promises. We strive to reach mutually beneficial and long-term cooperation with the borrower, therefore we focus on a transparent and honest relationship with the client. We receive positive reviews every day, which testifies to our reliability.

North Dakota Information

Population: 760,077
Median age: 35.4
Homeownership rate: 62.5
Median household income: $63,837
Median property value: $198,700
Average car ownership: 2

Payday Loan FAQs – North Dakota

Q: Is a payday loan secured or unsecured?

A: This type of lending is considered “unsecured”, which means you do not have to give the lender any collateral.

Q: When will my loan be due?

A: Your loan amount and fees are usually due on your next pay day.

Q: Can I get an extension on my loan?

A: In accordance with North Dakota law, your loan must be repaid by your due date in one lump payment. However, once you repay your debt you can apply for another loan after a 3-day waiting period.

Q: Can I get another payday loan if I already have one?

A: Yes, you typically can get another payday loan. However, it will likely not be from the same lender, and the rates will be worse than your initial loan. You can also apply for another type of a loan, such as a personal loan or a title loan.


If you find yourself in a tough situation related to cash shortage, you should not delay contacting a payday lender. Even if you have bad credit or no credit, you can still be eligible for a payday loan in North Dakota. Decide how much you need and assess your ability to pay off the loan within a short time. Then use our referral service, and we will connect you to the best financial institution to help you get back your peace of mind.