Privacy & Security

North Dakota Cash Advance

Same Day Payday is one of the leaders in the cash advance industry. In the state of North Dakota, we provide numerous services and products for those who live in the state and need financial assistance. There is no need to drive all over the state looking for an office and you do not even have to drive to your local Same Day Payday office. By using our website, you can fill out an application and fax it to an office in your area, or just send it over the Internet. You do not need to waste an entire day driving back and forth, filling out the application, and then waiting to hear if you have been approved. All you do is fill out the application form online, all from the ease of your own house. If approved, you will see the money arrive in your bank account just a few hours later for you to use as needed. We can find a product or service to meet the needs of anybody and any situation. Fill out your application now and see how easy it is.

North Dakota Cash advance Lending Laws

Other states that have a comparable system of cash advances are similar to North Dakota in terms of their cash advance laws. North Dakota does have one major difference though and that is the terms of the loan. While other states place a maximum limit of thirty days to pay back a cash advance, North Dakota allows citizens to borrow money for up to sixty days at a time. There is no limit placed on the amount of a cash advance in North Dakota; however the maximum amount is set at $600. North Dakota's APR equals out to around 520%. The basic interest rate in the state is 20%, meaning that for every $100 that a person borrows, they must pay $20 in interest fees.

It is estimated that North Dakota has at least 76 cash advance centers in the state, meaning that the business is booming. Considering the rate of growth seen in other states, it is a fair guess to say that North Dakota has even more cash advance centers by now.

When an emergency situation arises and you need money instantly, we can help. We make the process easy and fast for everyone living in North Dakota because we know that sometimes the unexpected can happen. All residents of the state will be glad to know that we offer fast access to the money you need now and you can wait until your next paycheck before paying back the cash advance. You can use those funds to do anything you need, from paying a sudden bill to taking care of your car after an accident; the only limits are what you can dream up.

Cash advances are available in North Dakota and in all fifty states. We provide help when you need it. We believe in providing all of our customers with the best service and support around. Filling out an application form on is just the first step. We keep all personal information private and use a secure and confidential web system. You will find that our application process is so easy that you will wonder why you did not use it sooner!

If you live in North Dakota and need a cash advance loan, you will find that we offer fast and convenient services. Our services are better than you can find from any other similar company. When you apply for a cash advance on our website, you will be treated to secure services and an easy to use site. Our customers are our top priority and it is easy to see that on our site.

The Deferred Deposit Loan Act is a strict regulation put onto cash advances in the state of North Dakota. This basically states that a lender cannot lend money for longer than 40 days, and that a person cannot borrow more than $500 at any one time in North Dakota.

Any individual who receives a North Dakota cash advance must sign a loan agreement. The agreement includes the customer's name, the date of the loan, the amount of the loan, and the annual percentage rate charged on the loan. The fees and charges of the loan must clearly be written out in a dollar amount so the customer can see exactly what they owe. In a 10-point font the document must also include the following wording:

"A deferred deposit loan is not intended to meet long-term financial needs. A deferred deposit loan should be used only to meet short-term cash needs. Renewing the deferred deposit loan rather than paying the debt in full will require additional finance charges."

North Dakota lenders are allowed to charge a finance fee of up to 20% on the first $300 a person borrows. The following $300 is charged at a rate of 7.5%.

In North Dakota if an individual wants to take back the cash advance, they must do it by 5 pm the next day. The law also states that the company cannot file charges against an individual if that individual does not have the money to pay back the loan. If the individual bounces a check or closes their account, the lender can file charges to recoup their money under North Dakota law.

North Dakota Unemployment Statistics

The unemployment rate in North Dakota has remained between 1.7 and 4.6 percent for the last ten years. In January of 2005 the percentage was 4.3, but dropped to 4.2 by the following year. That means that nearly 15,000 citizens of North Dakota were without employment.

North Dakota Cash Advance - Cities

Bismarck Grafton Mandan Wahpeton
Devils Lake Grand Forks Minot West Fargo
Dickinson Hankinson Riverside
Fargo Jamestown Valley City