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North Dakota

Rates and Terms for North Dakota

Loan Amounts: The maximum loan amount for North Dakota Residents is $500.00.

Based on your income and other factors, loan limits will be determined on an individual basis.

Term of Loan: Maximum of 60 Days
Permitted Fees: The loan will include a flat fee of $0.00 per loan for the database verification fee plus, up to $20.00 per $100.00 borrowed.

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Cooling Off Period: A customer may not enter into a new deferred presentment service transaction within three business days of the completion of a previous deferred presentment service transaction.

Loan Renewal:

 

If you qualify, we may allow you to enter into one renewal transaction. We will not renew a transaction more than once. The full outstanding balance shall be due upon completion of the term of the renewal transaction. Our renewal fee will not exceed twenty percent of the amount being renewed. The total period of deferral, including the initial deferral and one renewal, will not exceed sixty days. The individual renewal period will not be less than fifteen days. On the payment date of the renewal transaction we will debit funds from your bank account for the loan amount and finance charge.

 

We encourage taking advantage of the option to make a partial payment on the loan balance when requesting a renewal. There is no penalty for paying down a balance and depending on your state, doing so may result in a reduction of fees charged.

 

You may request these changes by logging into online account and/or by calling a customer service representative. Renewal requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

Additional Information:

Your Right to Rescind (cancel) this loan – A borrower may rescind a consumer loan without cost for any reason, not later than the close of business on the business day following the date of the consumer loan agreement.

Example APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table shows the Annual Percentage Rate (“APR”) and Finance Charge for various loan amounts.

Amount Borrowed Fee Rate Fees Charged Amount Due Days APR % Days APR % Days APR %
$100.00 20% $20.00 $120.00 7 1042.86% 14 521.43% 31 235.48%
$200.00 $40.00 $240.00
$300.00 $60.00 $360.00
$400.00 $80.00 $480.00
$500.00 $100.00 $600.00

Database Verification Fee: $0.00
Finance Charge: Up to $20.00 per $100.00 borrowed

Please see your loan agreement for the APR and other terms applicable to your loan.

Loan License and Registration:

We are licensed and regulated by North Dakota Department of Financial Institutions
Address: 2000 Schafer Street, Suite G Bismarck ND 58501
Phone: (701) 328-9933
Fax: (701) 328-9955.

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