We have reviewed 22 North Dakota payday loan lenders.
Our review of payday loans considers three areas: reputation, cost, and features. Reputation considers state licensing and Better Business Bureau scores. Cost is based on terms, fees, and rates. Features include things like credit reporting or fee transparency.
A listing in this table is not an endorsement. This table includes all lenders we have reviewed who offer loans to North Dakota residents.
| ND Lender | Description | Costs* | Sniff | Rating |
|---|---|---|---|---|
 |
Discounts for repeat customers. Live chat.
B BBB rating. Bad credit okay but does check credit.
Governing Law: State Lic.
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Great | |
 |
Get 50% initial loan fees. Code: NEWCASH50
Large online lender. Live chat
Governing Law: State Lic.
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Great | |
 |
A+ BBB Score and accredited. $30 referral credit.
One of the few payday lenders who are BBB accredited.
Governing Law: State Lic.
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Great | |
 |
Solid state licensed lender.
F BBB score for no response to compliants.
Governing Law: State Lic.
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Great | |
 |
State licensed lender. Pricing shown is based on SD.
Pricing appear competitive. They have store fronts
Governing Law: State Lic.
|
Loan Amt: $300
APR: 652%
Cost: $75
|
Great | |
 |
Neveda licensed national lender.
Informative website. Flexible payment terms.
Governing Law: Nevada
|
Loan Amt: $300
APR: 510%
Cost: $58.74
|
Fair | |
 |
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
|
Loan Amt: $300
APR: 485%
Cost: $56
|
Fair | |
 |
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
|
Loan Amt: $300
APR: 456%
Cost: $53
|
Fair | |
 |
Makes loans based on UT laws.
Use to have A rating by BBB but now unlisted
Governing Law: UT
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Fair | |
 |
Tribal lender. Upfront disclosures and pricing.
Appear to have purchased name and domain in Sept 2012.
Governing Law: Tribe
|
Loan Amt: $300
APR: 782%
Cost: $90
|
Fair | |
 |
Stopped Accepting New Applications
F BBB Rating, Based in Canada.
Governing Law: Canada
|
Loan Amt: $300
APR: 485%
Cost: $56
|
Fair | |
 |
Revamped website. Up to $600 1st time.
Been in business over 10 years.
Governing Law: Costa Rica
|
Loan Amt: $300
APR: 782%
Cost: $75
|
Bad | |
 |
Appears to be basic tribal based lender.
Site updated with pricing. States not listed.
Governing Law: Tribe
|
Loan Amt: $300
APR: 782%
Cost: $90
|
Fair | |
 |
Offer loans in all states.
C- BBB rating. Dispute settled through arbitration.
Governing Law: DE
|
Loan Amt: $300
APR: 782%
Cost: $490
|
Fair | |
 |
No longer taking applications.
Taken over by Platinum Finance Co.
Governing Law: DE
|
Loan Amt: $300
APR: 782%
Cost: $90
|
Fair | |
 |
Very limited information on website.
No BBB Rating. No privacy policy.
Governing Law: DE
|
Loan Amt: $300
APR: 782%
Cost: $90
|
Bad | |
 |
One of the simplest applications.
No BBB Rating, Based in Costa Rica.
Governing Law: Costa Rica
|
Loan Amt: $300
APR: 651%
Cost: $75
|
Bad | |
 |
Not a state licensed lender.
Bsed in Federation of Saint Kitts and Nevis
Governing Law: St Kitts and Nevis
|
Loan Amt: $300
APR: 782%
Cost: $90
|
Bad | |
 |
No longer accepting new applications
Costa Rica based lender.
Governing Law: Costa Rica
|
Loan Amt: $300
APR: 460%
Cost: $53
|
Bad | |
 |
Eligible states not listed.
Very little information available
Governing Law: unlisted
|
Loan Amt: $300
APR: 912%
Cost: $105
|
Fair | |
 |
Settled in 2012 with California for excessive fees.
Bare website. Appear to be Delaware based.
Governing Law: Delaware
|
Loan Amt: $300
APR: 608%
Cost: $75
|
Bad | |
 |
Very limited information on website.
Appears to be unlicensed lender. Maybe offshore based.
Governing Law: unlisted
|
Loan Amt: ?
APR: ?
Cost: ?
|
Bad |
* When avaiable we have shown pricing for North Dakota residents. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.
North Dakota residents can choose from North Dakota licensed, out-of-state licensed, tribal-based and foreign-based lenders for their payday loans.
The Payday Hound strongly prefers licensed payday lenders as the North Dakota Department of Financial Institutions evaluates, regulates, and monitors the payday loans made by these lenders. See North Dakota Payday Loan Laws for more details on North Dakota laws and regulations or Payday Loans for more general information.
Unlicensed payday lenders include tribe-based lenders, lenders licensed in other states, and foreign-based lenders. Tribal and out-of-state licensed payday lenders operate under the interpretation that they can export their tribe or state laws into North Dakota and are required to adhere to federal lending laws but not North Dakota regulations. Federal laws may be less restrictive and less frequently enforced. The final group of lenders is foreign-based payday loan lenders. They export their countries' laws into North Dakota and are highly unregulated. See How to Choose A Payday Loan for more details.
The above is our understanding of how payday lending works in North Dakota, but we are not a law firm. Please contact the North Dakota Department of Financial Institutions for more information.
The Payday Hound reviews payday lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. The list below includes both regulated banks as well as off-shore entites. Being included on our list is not an endorsement or certification. The list is a ranking and is designed to help borrowers rate and judge the quality of lenders. This means it may include lenders we believe to be honest as well as those we would deem to be predatory.
