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Lending Laws of North Dakota

The maximum loan limit in North Dakota is $500. Your loan term can be up to 60 days. The maximum finance charge can be up to 20-percent of your loan, plus a database fee. That means if you were to take out a 14-day, $100 loan, there could be up to a $20 finance charge, plus a database fee.

You can have multiple outstanding cash advances in North Dakota, just as long as the sum of all the loans does not exceed $600. If the lender tries to cash your check and there is not enough money in your account, you can be charged a $20 NSF fee, just as long as this fee was listed in your original loan agreement.

Your lender is not allowed to pursue criminal action against you, unless you close your account on the same day you take out your loan.

North Dakota (ND)

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About North Dakota

The capital and seat of government is Bismarck.

North Dakota is not close to any big bodies of water (oceans or seas). Because of this, temperatures in North Dakota are very hot in the summer and very cold in the winter. In the summer, there are sometimes strong thunderstorms. These storms can have tornadoes and hail.

Most of the economy is based on agriculture. The most important agricultural crops are durum, a type of wheat, which is grown all across the state. In the Red River Valley, there is more rain, and maize (corn) and sugar beets are grown as well. In the Badlands, there is less rain, and more cattle are raised than crops.

North Dakota has the only bank in the United States that is owned by the state. The Bank of North Dakota is where all of the money from all government agencies is held. Most banks in the United States are guaranteed by the FDIC (acronym for Federal Deposit Insurance Corporation.) The FDIC guarantees that people will not lose money if a bank fails. But the Bank of North Dakota is insured by the state of North Dakota.

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