✓ Legal & RegulatedReviewed: Aug 2025
North DakotaLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in North Dakota. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$500
Typical APR
400% APR
Max Term
60 days
Legal Status
Legal
North Dakota Lending Regulator
The ND Dept of Financial Institutions oversees consumer lending in North Dakota, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for North Dakota is sourced directly from the ND Dept of Financial Institutions. For the most current requirements, visit: https://www.nd.gov/dfi/
Current Overview
North Dakota payday loans up to $500 for Fargo and statewide residents. Fast same-day approval with Bad credit considered.
Legal Status: Legal · APR Range: 400% APR · Max Amount: $500
North Dakota Lending FAQ
Are payday loans legal in North Dakota?▼
Yes. Payday loans are legal and regulated in North Dakota under the oversight of the ND Dept of Financial Institutions. Current APR range: 400% APR. Maximum loan: $500.
What is the maximum payday loan I can get in North Dakota?▼
The maximum short-term loan amount in North Dakota is $500. A $500 loan for 14 days in ND costs approximately $75 in fees. APR: 400%.
Who regulates payday lenders in North Dakota?▼
The ND Dept of Financial Institutions is the primary state regulator. You can verify any lender's license at https://www.nd.gov/dfi/. Unlicensed lenders operating in North Dakota are illegal — always verify before borrowing.
What are the alternatives to payday loans in North Dakota?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in North Dakota.