Short-term loans in Bismarck, ND |

Compare your short-term loan options in Bismarck, North Dakota

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Find the right lender — and know how much it might cost to borrow.

When you’re searching for a short-term loan in Bismarck, you’ll want to know more than just the address of a nearby lender. Learn how the regulations of North Dakota impact payday lending in your city and what you can do to apply.

Our top pick: Jora Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address
  • Quick application process
  • Bad credit OK
  • Financial resources

Our top pick: Jora Installment Loans

Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address

Can I get a payday loan in Bismarck, North Dakota?

Yes, payday loans are available in Bismarck and are regulated under the North Dakota Century Code 13-08-01 et. seq. The same laws apply to both storefront and online lenders.

You can borrow up to $500. Loan terms may be no more than 60 days, and a lender is permitted to charge a financing up to 20% of the loan amount as well as a database fee. And if you don’t have enough in your account to repay your loan, a lender may charge a $20 non-sufficient funds (NSF) fee.

Short-term lenders available in Bismarck

Updated June 27th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

How do I apply?

Most lenders will have different eligibility criteria you’ll need to meet, but in general, you’ll have to have a steady source of income, be a US citizen or permanent resident and be at least 18 years old. If you meet the basic eligibility criteria set forth by the lender, you can typically complete the application process within a few minutes.

  1. Compare lenders in the table above to find one that suits your needs.
  2. Click on the Go to Site button.
  3. Start filling out the application with your personal information.
  4. Provide access to your checking account if applying online.
  5. Submit your application and wait for approval

It may take anywhere from a few minutes to a few days to receive a response from a lender. If you’re approved, read over your loan documents carefully before signing.

Where to find short-term loan locations in Bismarck

Short-term loan locations near me in Bismarck, ND

  • Americash. 208 W Front Ave, Bismarck, ND 58504
  • Direct Check. 702 5th Ave SE #2, Devils Lake, ND 58301
  • Money Lenders. 913 Burlington Dr #4, Bismarck, ND 58504

Must read: Be cautious of high fees

Although there is a cap on the financing fee a lender is permitted to charge, it won’t save you much. 20% of a loan of $100 is $20 — which means that if you borrow $500 from a lender, you’ll be paying back $600. And while a payday loan can last as long as 60 days, in many cases, a lender will likely set your due date within a couple weeks after you borrow.

This means you may have trouble repaying your loan, especially if you decide to take out more than one at a time. It may be worthwhile to look into some short-term loan alternatives before you commit to a loan.

Bottom line

North Dakota regulates payday loans to keep residents of Bismarck — as well as other cities throughout the state — safe from extremely high APRs. However, you’ll still have to pay up to 20% of your loan amount in the form of financing fees. Still, there are a number of licensed lenders out there that may be able to offer you a competitive rate.

If you’re looking for a lender, it pays to compare all your payday loan options and to familiarize yourself with North Dakota laws before committing to a loan.

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