Fair to Bad Credit Loans in NDWe Find Lenders Who Lend To Bad Credit Borrowers ![]() Home > How To Apply > North Dakota Last updated April 4th 2021 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! North Dakota Usury and RegulationsSummary 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)"
North Dakota Lenders By CityFargo ND / Bismarck ND / Grand Forks ND / Minot ND / West Fargo ND / Williston ND / Dickinson ND / Mandan ND Complaints to: 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 MapClick
or tap map image above for interactive version. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Freedom Community Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Capital Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Railway Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Vue Community Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - First Community Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Mid-America Credit Union Association - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Area Community Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1st Liberty FCU - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Riverfork Federal Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - University Federal Credit Union - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Bad Credit Loan Form for North DakotaBad Credit Loan Exaxmple In NDBetween 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. 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. 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 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 NDLast 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. $50000 $15000 $60000 $9000 $90000 5.12% 6.76% 8.29% 6.78% 9.39% North Dakota Debt Consolidation Providers and Lenders MapClick
or tap map image above for interactive version. OneMain Financial - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - A American Debt Consolidation - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - FFE Federal Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Town and Country Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Fargo VA Federal Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Dakota West Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - North Star Community Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Prairie Federal Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Minot School Employees CU - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - Med Park Credit Union - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - 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. 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 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. 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 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. 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 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. 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. 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. Click
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