Payday Loans in Bismarck, North Dakota
72,417 people live in Bismarck, and every one of them borrows under the same North Dakota guardrails: a $500 cap, a $60 maximum fee on a $300 loan. Local branches and online lenders alike must fit inside those numbers — check any offer against this page.
Cap $500 · Max 60 days
The price in Bismarck is the state's
North Dakota sets one price for the whole state, and Bismarck lenders work inside it: a $300 advance carries up to $60.00 in fees — repay $360.00 (≈521% APR, 14-day framing).
Bismarck at a glance
- Maximum loan: $500 per loan — the North Dakota statute, applied identically in Burleigh County County
- What a $300 loan really costs: up to $60.00 in fees, repaid as $360.00 within Max 60 days
- Cheapest alternative worth pricing first: an earned-wage draw on hours already worked — usually a few dollars against the whole fee
- Sovereign route: tribal installment loans — $300–$2,000 over 3–24 months, lender-set APRs disclosed in the agreement
- Fastest realistic funding: apply in the morning — same-business-day ACH before the cutoff, next business morning after it
Getting funded in Bismarck
- One form. Submit once — email, name, amount. Two minutes, soft check, free to ask.
- Lenders licensed for North Dakota review it. Decisions key on income and a checking account, usually within minutes.
- Check the disclosure. The fee must fit the table above — that is your legality check, wherever the lender is based.
- Repay once. One debit on the agreed date; if the date is wrong, ask about the state's extended payment plan before the due date.
Near Bismarck
- Payday loans in Mandan →
- Payday loans in Dickinson →
- Payday loans in Jamestown →
- Payday loans in Minot →
- All North Dakota guides →
Frequently asked questions
What does a $300 payday loan cost in Bismarck?
North Dakota law caps it at $60.00 in fees — repay $360.00 within Max 60 days (≈521% APR on the 14-day framing). Every licensed lender serving Bismarck must fit inside that number.
Do I have to live in Bismarck to apply here?
No — you need to live in North Dakota, in Bismarck or anywhere else in the state. The rules that set the price are North Dakota's, and the lenders in the network serve the whole state, including smaller towns around Burleigh County County.
How fast is funding for Bismarck borrowers?
Decisions arrive in minutes; ACH funding lands the same business day when the approval beats the lender's early-afternoon cutoff, otherwise the next business morning. Weekend requests fund on Monday.
What qualifies in Bismarck?
Verifiable depositable income, an active checking account in your name, 18+ with ID. Decisions key on income and account health rather than a score, and seeing offers uses a soft check that never touches your report.