Payday Loans and Cash Advance in Selfridge, ND
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the maximum fee North Dakota law allows (up to 20% of the amount paid to the customer; no other fee except a database registration fee at cost). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- North Dakota lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Selfridge residents can request payday loans of $100 to $500 online in a few minutes and see the full cost before deciding. North Dakota caps payday loans at $500. Fee limit: up to 20% of the amount paid to the customer; no other fee except a database registration fee at cost. At the maximum fee, a $300 loan means about $360 due on your next payday. The median household here earns $56,250, 27% below the North Dakota median, so that repayment would take about 17% of a typical two-week paycheck.
Why request online
Payday Loans in Selfridge: the short answer
Installment loans in Selfridge
Need more than $500 or more time to repay? North Dakota also allows consumer loans from licensed lenders, repaid in fixed monthly payments. Licensed lenders may not charge more than 36% a year including all fees and charges needed to make the loan; rates and fees are otherwise set by the loan contract.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Money broker license from the North Dakota Department of Financial Institutions (N.D.C.C. ch. 13-04.1).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
What a $300 loan means for a typical Selfridge budget
At the maximum fee North Dakota allows, a $300 loan means about $360 due on your next payday.
Renters in Selfridge already spend a median 20.5% of income on rent. If the repayment would leave you short on rent or bills, a smaller amount or a longer-term option below usually costs less.
Illustration only. Your fee, APR and term come from the lender and must be disclosed before you sign. Census estimates for small towns have wide margins of error, so treat local figures as approximate.
Selfridge, ND: Local Financial Snapshot
City-level ACS dataLocal economic and housing context for Selfridge. Figures use the latest 2020–2024 American Community Survey 5-Year release available for small-area comparison.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year. Tables B01003, B19013, B25064, B25071, B17001 and B23025. City-level payday-loan volume is not consistently published for every U.S. locality, so no local borrowing count is estimated here.
Your protections in Selfridge
- Maximum loan amount: $500.
- Fee limit: Up to 20% of the amount paid to the customer; no other fee except a database registration fee at cost.
- Maximum loan term: 60 days.
- Renewals: One renewal allowed; renewal fee up to 20% of the amount renewed, paid in cash or equivalent; each renewal period at least 15 days.
- Waiting period: New loan may not be made within 3 business days after a previous loan is completed; no refinancing with a new loan from the same lender.
- Payment plan: Lender may offer a voluntary workout in even weekly, biweekly or monthly installments up to 12 months, with no added fee or interest.
- Loan limits: Total outstanding payday loans may not exceed $600 across all lenders; loans are recorded in a state database.
- Lenders must hold a license from the North Dakota Department of Financial Institutions and disclose fees and APR before you sign.
Lower-cost options in Selfridge
Loan companies near me in Selfridge
Select an address to display that exact location on the map.
Payday loans near me: Selfridge and nearby towns
Requests work the same from any of these nearby North Dakota towns; distances are straight-line from Selfridge.
- Shields, ND12 mi
- Raleigh, ND22 mi · pop. 20 · median income $88,125
- Solen, ND24 mi · pop. 105 · median income $33,750
- Fort Yates, ND24 mi · pop. 107 · median income $97,250
- Flasher, ND30 mi · pop. 222 · median income $44,583
- Carson, ND35 mi · pop. 316 · median income $43,750
Other Sioux County towns:
What borrowing looks like in Selfridge
Worked out from local Census income and rent figures and state lending rules, so you can plan before you apply.
How much does a $1,000 installment loan cost per month in Selfridge?
See the math
As a regulated installment loan at the North Dakota limit of 36% APR over 12 months, $1,000 costs about $100.46 a month, or $205.55 in interest in total. That is 2.1% of the median Selfridge household income of $4,688 a month. Your lender shows the exact APR and total cost before you sign.
Is it harder to cover bills in Selfridge than in the rest of North Dakota?
See the local numbers
Median household income in Selfridge is $56,250, 27% below the North Dakota median, and median rent is $492 a month (48% below the state). Renters here spend a median 20.5% of income on rent, so compare any monthly loan payment with what is left after rent and utilities.
Payday or installment loan: which costs less in Selfridge?
See the math
A $500 payday loan at about $20.00 per $100 costs about $100.00 for two weeks, due in one payment of $600.00. As a regulated installment loan at the North Dakota limit of 36% APR over 6 months, $500 costs about $92.30 a month and $53.79 in total interest. The payday loan is shorter; the installment loan is easier on a monthly budget if you cannot repay everything on your next payday.
Do I need to visit a store to get a loan in Selfridge?
How it works
No. The whole request is online and takes a few minutes. The nearest financial locations listed on this page are about 12 miles from Selfridge, but if a lender approves you, money is usually sent by direct deposit, often by the next business day.
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Questions people ask
Where can I get a cash advance near me in Selfridge?
The nearest bank and credit union locations listed on this page are about 12 miles away, but you do not need to visit one: the request is online and takes a few minutes. If a licensed lender approves you, the money is usually sent by direct deposit, often by the next business day. North Dakota rules on loan amounts and fees apply.
Can I get a loan in Selfridge with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Selfridge, North Dakota?
Yes. North Dakota licenses lenders through the North Dakota Department of Financial Institutions under N.D.C.C. ch. 13-08 (Deferred Presentment Service Providers).
How much can I borrow in Selfridge?
Up to $500 under North Dakota law. The lender sets your amount based on your income and state rules.
How much does a payday loan cost in North Dakota?
Fee limit in North Dakota: up to 20% of the amount paid to the customer; no other fee except a database registration fee at cost. At $20 per $100, a $300 two-week loan costs $60, about 521% APR.
Where can I complain about a lender in North Dakota?
Contact the North Dakota Department of Financial Institutions at 701-328-9933 or submit a complaint to the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Sources
State rules, regulator contacts and legal sources are listed on the North Dakota page. Local income and housing figures: U.S. Census Bureau, American Community Survey 2020–2024.