Payday Loans in North Dakota
- Same-day funding
- Quick and paperless application
- Cash advance loans online and near you
- No good credit needed
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Getting an emergency cash solution in North Dakota is simple with 1F Cash Advance. You can apply online or in-store in just a few minutes and request up to $500 to cover short-term expenses.
The process is fast and involves no hard credit check, making it possible to get an instant approval decision, even with bad credit. Our team is always ready to help you get the money you need within a day.
Payday Loan Rates and Terms
Payday loans are legal in North Dakota. Lenders must be licensed by the North Dakota Department of Financial Institutions to operate in the state.
The maximum amount you can borrow is $500. Payday loans from 1F Cash Advance need to be repaid by the next payday, with a maximum period of 31 days. The maximum finance charge is 20% of the loan amount.
One rollover is permitted, followed by a mandatory three-business-day cooling-off period before issuing a new loan. Borrowers have the right to cancel the loan by 5:00 pm the next business day without penalty.
Here is an illustrative example of typical fees and interest rates associated with a payday loan in North Dakota.
| Loan Amount | Fees | Loan Term | APR | Total Cost |
|---|---|---|---|---|
| $100 | $20 | 14 days | 521.43% | $120 |
| $200 | $40 | 17 days | 429.41% | $240 |
| $300 | $60 | 21 days | 347.62% | $360 |
| $400 | $80 | 27 days | 270.37% | $480 |
| $500 | $100 | 31 days | 235.48% | $600 |
The terms provided are not guaranteed. Your exact rates are subject to approval based on your application, credit, and financial details.
How to Apply for a Loan
The process includes three simple steps:
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Start your application. Apply online via the website or visit a nearby store.
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Get an instant approval decision. Your application is reviewed instantly without a hard credit check.
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Access your funds. Once approved and signed, the funds will be transferred to you via direct deposit on the same day*.
*Approvals before 10:30 am are usually funded the same day; later ones fund the next business day. In-store approvals may receive instant cash with a post-dated check for the full amount due.
Who’s Eligible
To qualify with 1F Cash Advance, you need to meet the following requirements:
- Be at let 18 years old
- Have a current address in North Dakota
- Provide a valid government-issued photo ID
- Show proof steady income
- Have an active checking account
- Provide a phone number and email
Find 1F Cash Advance Store in ND
If you’re facing a financial crunch that requires a personalized approach, visit the 1F Cash Advance store in Fargo:
Address: 1257 36th St S, Fargo, ND 58103
Phone: (888) 847-2909
Email: [email protected]
Branch Manager: George Finlay
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
Our services are available across North Dakota, including Bismarck, Grand Forks, Minot, and West Fargo. Whether you live in Fargo or just passing through, our team is ready to assist with fast and reliable loan options.
Looking for a loan place in another state?
Other Ways to Get Money in North Dakota
If you’re exploring other ways to get quick cash in North Dakota, consider these available options:
Installment Loans
Installment loans from Cash Advance offer the flexibility to borrow from $1000 to $5,000 and repay the funds in equal monthly installments over 3 to 24 months. Fixed payments make budgeting easier.
Title Loans
Use your car title as collateral and borrow up to 50% of your vehicle’s value. Fast approval and same-day funding are available, even with poor credit. But if you don’t repay, the lender can repossess your car.
Pawn Shop Loans
Bring an item such as electronics or jewelry to a pawn shop and receive a cash loan based on its resale value. The amount is typically limited to a few hundred dollars. There is no credit check or bank account needed. Items are held as collateral until repaid.
Family and Friend Loans
Ask someone you trust to lend you money. Loan amounts and terms are flexible. No interest or paperwork is required, but a written agreement is strongly recommended to avoid misunderstandings.
Credit Union Loans
As a credit union member, you may qualify for low-interest loans with flexible terms. Loan amounts and repayment plans vary, but rates are often lower compared to those offered by banks.
Credit Card Cash Advance
Withdraw cash from your credit card within a set limit, usually 20% to 30%. Funds are available instantly, but interest applies from day one and is typically higher than that for regular purchases. Cash advance fees may be charged.
Why Choose 1F Cash Advance?
At 1F Cash Advance, we make borrowing simple, safe, and stress-free.
No hard credit pulls
We only run soft checks, so applying won’t hurt your credit score.
Fast approvals
Most applications are reviewed on the same day. You can get the funds you need without waiting.
Secure from start to finish
Your information is encrypted and protected at every step. We’ve built a platform you can trust 24/7.
FAQ
Can I get a payday loan in North Dakota with bad credit?
At 1F Cash Advance, we offer payday loans to borrowers with all credit types. Approval is based on your income and ability to repay, not your credit score.
How much can I borrow?
In North Dakota, payday loans range from $100 to $500. If you need a larger amount, 1F Cash Advance also offers installment loans of up to $5,000.
Are payday loans safe and legal in North Dakota?
Payday loans in North Dakota are legal and safe as long as you deal with a licensed loan company and carefully assess your ability to repay. 1F Cash Advance adheres to rigorous standards to ensure all loans comply with legal regulations and uphold consumer protection guidelines.
When will I receive the funds?
If you apply early in the morning, you may get your money the same day. Applications submitted after 10:30 am, on weekends, or on holidays are processed the next business day.
What happens if I can’t repay on time?
Late payments may result in additional fees or collection activity. If you run into trouble, contact your lender right away. Flexible payment plans may be available.