Fair to Bad Credit Loans in ND

We Find Lenders Who Lend To Bad Credit Borrowers

We Find Lenders Inc. Fair To Bad Credit Loans Logo

Home > How To Apply > North Dakota

Last updated October 7th 2018

Commentary is for informational purposes only. See legal disclaimers here.

Money Trouble in North Dakota?

It's hard when your credit is bad right? We can help, and in about 10 seconds you're going to see how.

Enter your zip and credit score to get started...we got you!

North Dakota Applicants
See How We Can Help You Get Funded!

North Dakota Usury and Regulations

Summary of North Dakota Usury Law(s) / Quote: "Legal: 6% / Contract: North Dakota contract rate is 5.5% over the average rate for 6-month U.S. Treasury bills but not less than 7%. / Judgment: 12% / Corporate: Any rate"

(WeFindLenders.com endeavors to include the most up to date legal data for North Dakota, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in North Dakota, and/or contact the North Dakota State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

North Dakota Usury Law Information:

Legal Maximum Interest Rates: Quote: "6% (§47-14-05); if contract in writing, up to 5.5% higher than average interest on treasury bills, but maximum must be at least 7% (§47-14-09)"

Usury Penalties: Quote: "Forfeit all interest and 25% of principal (§47-14-10); Class B misdemeanor (§47-14-11); if interest paid, twice amount paid may be recovered (§47-14-10)"

Judgment Interest Rates: Quote: "Contract rate, otherwise 12% (§28-20-34)"

Legal Exceptions: Quote: "Loans to corporations; agency funded by state/federal government; amount over $35,000; loans to partnerships/limited partnerships (§47-14-09)"

North Dakota Lenders By City

Fargo ND / Bismarck ND / Grand Forks ND / Minot ND / West Fargo ND / Williston ND / Dickinson ND / Mandan ND

Complaints to:

North Dakota Department of Financial Institutions / North Dakota Complaint Process / North Dakota Complaint Form (PDF)

Physical Address: North Dakota Department of Financial Institutions / 2000 Schafer Street, Suite G, Bismarck, ND 58501-1204 / Phone: 701.328.9933 Fax: 701.328.0290 / Email: dfi@nd.gov

North Dakota Lender Service Areas Map

North Dakota Bad Credit Lenders Map - Initial Static Image

Click or tap map image above for interactive version.
Lenders
contact us for listing removal or amendment.


United Savings Credit Union
1001 1st Ave N, Fargo, ND 58102
www.unitedsavingscu.org
701.235.2832

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Freedom Community Credit Union
2940 N University Dr, Fargo
ND 58102 - 701.232.0828
www.freedomccu.com

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Capital Credit Union
4900 13th Ave South #5, Fargo
ND 58103 www.capcu.org
701.282.2139

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Railway Credit Union
112 S 24th St, Bismarck, ND 58501
www.railwaycu.com
701.222.8736

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Vue Community Credit Union
818 E Main Ave, Bismarck, ND 58501
www.vueccu.com
701.223.6533

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

First Community Credit Union
425 N 5th St, Bismarck, ND 58501
www.myfccu.com
701.258.2751

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Mid-America Credit Union Association
2005 N Kavaney Dr, Bismarck
ND 58501 - www.cuad.coop
701.258.5760

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Area Community Credit Union
2800 S Washington St, Grand Forks
ND 58201 - www.gfaccu.com
701.772.2690

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

1st Liberty FCU
3197 S 17th St, Grand Forks
ND 58201 - www.1stliberty.org
701.772.9519

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Riverfork Federal Credit Union
711 N Washington Street #101
Grand Forks, ND 58203
www.riverforkfcu.com
701.775.0593

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

University Federal Credit Union
2901 University Ave #136
Grand Forks, ND 58202
www.universityfederalcu.org
701.777.2274

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Bad Credit Loan Form for North Dakota

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Bad Credit Loan Exaxmple In ND

Between losing his job, not paying bills on time and spending too much money Gaston needs a bad credit loan as quickly as possible. He owes a total of $5500 to credit cards, pay day loan lenders and taxes on money he earned before he lost his job.

He was not paying taxes on his self employed earnings or at least not enough. Now he owes a couple thousand to the IRS and no way to pay it at the moment unless he wants to forego paying his mortgage and car loan.

He is working again, and he is paying his mortgage etc. but does not make enough to repay everything right away. He needs a loan to help him through the time he needs to earn the money to pay off all of his debts.

When he was unemployed after he lost his business, he had to charge many of his regular expenses to his credit cards. He owes several thousand on his credit cards as well. The interest rate on the credit cards will be 21% which is quite high. His last resort before he started working again was to take out a pay day loan.

He started working and based on what he was to be paid was able to get a loan which he was to pay back with his first pay check.
He paid most of it back, but he also needed groceries for the family and he needed to pay utilities otherwise they were going to turn off the water and the electricity.

Of course there were lots of late fees and high interest fees with the pay day loan because he did not pay it off in full as originally agreed.
He desperately wants to be approved for bad credit loan of $5500 with a three year term on the loan.

A $5500 loan with a 3 year term 9.56% interest rate for Gaston would cost him the following per month:

• Loan Amount (principal) = $5500
• Interest Rate = 9.56%
• Term Length =3 year
• Monthly Payment = $176.34
• Total Paid Back = $6348.08
• Total Interest = $848.08

Gaston is like many consumers who lose their jobs. They may not have any emergency savings to rely on while they find the next job. When you live pay check to pay check, it is tough to pay the bills when there is no money coming in.

As soon as they stop paying the bills their credit rating takes a hit.

They suddenly have a bad credit score and owe money to various groups, whether it is government taxation, credit cards or high risk lenders such as pay day loan lenders.

When this occurs it can be tough to be approved for any loan at a reasonable interest rate.

Gaston should be approved for the loan he has applied for. With his new job he can afford to pay the loan payment each month plus his regular utility bills and mortgage payments.

He also plans to begin saving some money for the next emergency that may come along to test Gaston’s ability to pay all his regular monthly payments. It may take him up to seven years to clear his bad credit record.

If you live in the State of North Dakota and you're struggling to get a loan approval with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in ND

Last 5 debt service loans approved in the State of North Dakota. Source: WFL Lender Pool. Updated Weekly. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$35000 $40000 $8500 $8000 $100000

15.42% 10.62% 6.41% 9.51% 5.95%

North Dakota Debt Consolidation Providers and Lenders Map

North Dakota Debt Consolidation Loan Providers - Initial Static Image

Click or tap map image above for interactive version.
Lenders
contact us for listing removal or amendment.

OneMain Financial
2100 S Columbia Rd #112 Grand Forks
ND 58201 - 701.772.7114
www.onemainfinancial.com

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

A American Debt Consolidation
Bismarck, ND 58501
701.255.3886

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

FFE Federal Credit Union
657 2nd Ave North, Fargo
ND 58102 - ffe-fcu.org
701.235.1359

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Town and Country Credit Union
1501 32nd Ave S, Fargo
ND 58103 - 701.356.1800
www.townandcountry.org

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Fargo VA Federal Credit Union
2101 Elm St N, Fargo
ND 58102 - 701.280.0870
www.fargovafcu.org

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Dakota West Credit Union
211 1st Ave SW, Bowman
ND 58623 - dakotawestcu.com
701.523.5479

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

North Star Community Credit Union
241 US-2, Rugby ND 58368
www.northstarccu.com
701.776.5869

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Prairie Federal Credit Union
1430 South Broadway, Minot
ND 58701 - www.prairiefcu.com
701.837.5353

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Minot School Employees CU
215 2nd St SE, Minot
ND 58701 - www.masfcu.org
701.857.4430

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Med Park Credit Union
1200 S Columbia Rd, Grand Forks
ND 58201 - www.medparkcu.com
701.780.5733

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

North Dakota Consolidation Form

North Dakota Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Consolidations In North Dakota

North Dakota residents have many choices when choosing a debt service provider. If they want help dealing with their debt they can use a credit counseling service, and depending on their debt they can apply with a local credit union or bank. If they need a debt settlement program they can use some of the companies listed here as well.

If you have bad credit and your credit score is low enough that traditional banks won't approve you, you can use our pre-app system to access over 500+ lenders. Hundreds of these lenders will consider bad credit applicants for consolidation products, and dozens will approve loans based on your income from employment or whatever source your income is.

Consolidation Example in North Dakota

Hildy believes that trouble always comes in threes and that seems to be what has happened to her in the past month.

She is going to need a debt consolidation loan for $14500 which she wants to repay over the next six years.

She really does not know what else to do at this point and just hopes that her problems are over.

She ended up in emergency at the local hospital and after being there for only 4 hours the bill came to almost $9000 for treatment and testing.

She is still fighting the amount, because it seems really high to her for what they did. Hildy is recovering and they did get her back on track.

The day after she found out that her car needed major repairs and that these repairs were going to cost another couple of thousand.

New tires, brakes, exhaust system and alignment all need to be done. She had no choice. The car was in for an oil change which was overdue and the mechanic said he could not let her drive on bald tires and squealing brakes.

She also spent some money for household things before this all happened and now the credit card payment is due.

She needs help to pay all of these bills, especially her car since she needs it to get back and forth to work.

She is stressing out over everything and really needs to be approved for this loan.

A $14500 loan with a 6 year term 6.75% interest rate for Hildy would cost her the following per month:

• Loan Amount (principal) = $14500
• Interest Rate = 6.75%
• Term Length = 6 year
• Monthly Payment = $245.47
• Total Paid Back = $17674.10
• Total Interest = $3174.10

Hildy is fortunate that her credit score is in good shape and that she and her husband make sufficient money to allow her to carry the monthly payment for this loan.

Everyone has to deal with financial surprises from time to time and sometimes they come all at the same time.

Hildy is dealing with emergencies and also a short term cash flow problem, which this loan will solve for her.

She and her husband have a small mortgage on their home, a car loan and the small amount of credit card debt previously mentioned.

She might be able to obtain a smaller interest rate if she were to apply for a secured personal loan using her home as security. Since the home is in both her husband’s name and her own, they both would need to apply for the loan and be approved for the loan.

They do not have a lot of time to make a decision. The credit card bill is due this week and she needs her car back to use to get to work.

The hospital bill can wait a few weeks before it needs to be paid. They are reviewing their situation and will likely send it a revised application to show both names on the application.

If you live in the State of North Dakota and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender regardless of your credit rating.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Debt Counseling Services In ND

North Dakota Credit Counseling Providers - Initial Static Image

Click or tap map image above for interactive version.
Counselors
contact us for listing amendment.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

123 Credit & Debt Counseling
Fargo ND 58103
701.293.4018

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Fix My Credit
1930 Dakota Dr North
Fargo, ND 58102
701.203.2114

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

Loan Calculator / Estimation Only

- - - - - - - - - - - - - - - - - - - - - Enter
  Loan Amount
  Interest rate
  Term In Yrs
- - - - - - - - - - - - - - - - - - - - - Results
  Mo. Payment
  $$ To Lender
  $$ of Interest

 

Important Information

FAQ / Privacy / Terms / Contact / Site Map

Disclaimer / Security / FICO Impact / Credits

About the WFL Lender Pool / Our Team

Ad Disclosure / APR & Fees / Collection

Default Implications / Service Areas

 

Back to Top

©2018 We Find Lenders Inc. All Rights Reserved