North Dakota Cash Advance (ND)
For many families throughout North Dakota and across the rest of the country, living paycheck to paycheck is not an option. Even the smallest unexpected financial emergency can be devastating. It’s for this reason that many residents of North Dakota who are looking for a short term solution to a financial problem turn to cash advances and other forms of payday loans to help them out until their next paycheck arrives.
A cash advance is a relatively small (usually under $1000), single payment, short-term (usually under a month) loan that is due in one, full payment. Sometimes these loans are guaranteed with your personal, post-dated check made payable to the lender for the full loan amount, including any and all assessed fees.
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What if your brakes went on your car and it’s going to cost $500 to repair, but you don’t have the cash at this very moment. Next Friday is when you would have the cash, because that is when you receive your next paycheck. As a resident of North Dakota, you can easily get a cash advance without a credit check or other hassle. All you need is a steady job and the paycheck to go along with it. Some lenders may require that you have your paycheck automatically deposited into your checking account by your employer.
North Dakota has some laws regulating the payday loan industry to protect all involved parties:
- 60 day maximum time frame for all cash advances.
- Fees cannot exceed 20% of loan amount ($20 per $100 borrowed) and cannot be considered interest.
- One rollover or renewal is allowed (paying one cash advance with another).
- One NSF fee for returned check, cannot be more than $20, and must be disclosed to the borrower prior to the cash advance arrangements.
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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.
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