Rates & Terms for North Dakota

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Loan Terms

  • The maximum loan amount for North Dakota residents will be $500.00.
  • Your loan will be due on your next payday that falls between 15 to 30 days away.
  • Your extension will be due on your next payday that falls between 15 to 30 days away.
  • If you are paid by paper check, we will give you a grace period of 1 day to deposit your check.
  • If you are paid monthly, your loan will be due on your next payday that falls between 15 to 30 days away.
  • If you are paid monthly, your extension will be due on your next payday that falls between 15 to 30 days away.
  • If your pay dates fall outside of these ranges, your loan will be due in 15 days.
  • If your pay dates fall outside of these ranges, your extension will be due in 15 days.

Loan Repayment

You have the option of extending your loan a maximum of 1 time. Maximum term of the loan and all extensions cannot exceed 60 days. On your loan due date you will be charged only your loan fee and the principal will be rolled over into a new loan contract. This new loan will carry with it an additional fee. Extension, partial payment, and early payoff requests must be received at least 2 business days prior to your due date. You may request these changes by logging into your personal account or calling our customer service team. For more information on extensions, visit our FAQ page.

Fee Schedule and APR

Your loan fees will be $20.00 per $100.00 borrowed.

$100 $150 $200 $250 $300 $350 $400 $450 $500
Term In Days APR Finance Charge / APR
15 486.67% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
16 456.25% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
17 429.41% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
18 405.56% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
19 384.21% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
20 365.0% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
21 347.62% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
22 331.82% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
23 317.39% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
24 304.17% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
25 292.0% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
26 280.77% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
27 270.37% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
28 260.71% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
29 251.72% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00
30 243.33% $20.00
$30.00
$40.00
$50.00
$60.00
$70.00
$80.00
$90.00
$100.00

Governing Law

The loan agreement will be governed by the applicable laws of your state. Questions or complaints should be directed to your state's regulatory agency. Click here for contact information.

CashNetUSA is licensed in North Dakota by the Department of Financial Institutions.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.