Online Payday Loans in North Dakota with 0% APR


Money’s low and you desperately need financial relief. You can sit around hoping for a miracle or take action to get the cash you need. 

A payday loan is an option if you’ve been turned away by the bank. But is the best choice for your wallet? 

Not necessarily. Read on to learn more about how payday loans in North Dakota work, along with other safe alternatives for your finances. 

Options For Payday Loans in North Dakota 

North Dakota residents have 2 options to secure a payday loan – at a physical location or online. You can get approved in minutes and have the cash in hand or your bank account in 1 business day. 

When the due date rolls around, the lender will automatically withdraw the loan plus any applicable interest and fees from your bank account. 


Payday lenders must adhere to the regulations set forth by the North Dakota Department of Financial Institutions. 

Each entity has its own set of qualification criteria, but you can use the following as a baseline to determine if you qualify: 

  • Are a citizen or permanent resident of the U.S. and 18 years of age or older
  • Have a steady, verifiable source of income; some lenders accept self-employment income and government benefits
  • Have a physical address, email address and working phone number
  • Have an active checking account in your name that’s in good standing and can receive direct deposits 

You will also need to provide a copy of your driver’s license or state-issued identification. 

Credit Affects

Payday lenders in North Dakota do not require checks when you apply for a loan. This means credit-challenged applicants may qualify if they have sufficient income to repay the loan. However, your credit may be impacted if you fail to repay what you owe on time.

Max Loan Amount and Terms

North Dakota state law limits payday loans to $500, and the repayment period is capped at 60 days. Interest cannot exceed 20 percent plus a databasing fee. 

While you’re not prohibited from taking out more than one loan at once, the aggregate total cannot exceed $600. Once you pay off one loan, there’s a 3-day cooling off period until you can retrieve another loan. 


Payday lenders are permitted to extend one rollover to delay collection actions until you get back on track. However, you may be subject to a fee of up to 20% of the renewal amount. 

If you don’t request a rollover and the payment is returned to the lender, you will be subject to a $20 NSF fee if disclosed in the original contract. Accounts sold to debt collectors could also mean more fees for you and damage to your credit score. 

Payday Loan Alternatives in North Dakota 

Consider these payday loan alternatives in North Dakota: 

  • Credit cards, but be mindful that this method can backfire if you don’t repay what you spend before interest kicks in 
  • Pawn shop loans if you have valuables lying around
  • Loans from family or friends, but get an agreement in writing so both parties are on the same page

If they don’t quite work for you, don’t fret. MoneyLion has you covered with a fee-free cash advance or credit builder loan. 


Ditch the high-interest payday loans for an interest-free cash advance from Instacash by MoneyLion. You may qualify for up to $250, and perfect credit isn’t required since there are no credit checks. 

It’s easy to unlock this feature. Download the MoneyLion app, customize your profile and connect your checking account. If approved, you can request a cash advance right away, and the funds will appear in your bank account in minutes. 

You only pay for expedited deposits if you need them. This beats forking over a wad of cash to a payday lender. 

Get Instacash now!

Credit Builder Loans

Is your credit in shambles or in need of a boost? Access cash and start rebuilding your score with a Credit Builder Loan from MoneyLion. 

This installment loan comes with a competitive interest rate and reports to the 3 credit bureaus – Experian, Equifax and TransUnion. It only takes a few minutes to apply and upon approval, you will receive a portion of the loan proceeds in your bank account. The remaining amount will go to an interest-earning savings account until you pay the loan off. 

Wondering how it helps strengthen your credit profile? Payment history is the largest factor in the FICO score equation. As loan payments are deducted from your bank account, the positive payment history hits your credit score. If you continue to responsibly manage your other debts, your credit score will benefit. 

Register for a Credit Builder Plus membership for only $19.99 per month. The fee also includes access to premium financial tools like managed investing and Instacash cash advances. 

Apply for a Credit Builder Loan

Find A Online Loan In North Dakota 

InstacashCredit Builder Loan
How Much Can You Borrow?$250$1000
Fees & Interest0% APRCompetitive APR, 0 fees
Credit CheckNoNo
AvailabilityOnline & MobileOnline & Mobile
Wait TimeInstantlyInstantly
Next StepsSign UpSign Up
*24-48 hours to receive your advance at 0 cost. $3.99 for instant deposit to your MoneyLion bank account, $4.99 to instantly deposit to an alternative bank account.

Get Approved for a Loan in North Dakota Today! 

An expensive payday loan doesn’t have to be your only option when facing a financial hardship. There are far better options that are gentle on your wallet. Give your bank account a slight boost that won’t cost you in the long run with an Instacash cash advance. Or get the funds you need and start rebuilding your credit with a Credit Builder Loan from MoneyLion. 

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Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

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