Personal Loans in North Dakota

Q: Can I get a personal loan in North Dakota with bad credit?

Yes, some lenders serving North Dakota specialize in personal loans for bad credit. Many approve borrowers with scores from 580 upward. MaybeLoan works with lenders who serve a range of credit profiles in North Dakota.

Q: How fast can I get a personal loan in North Dakota?

The application takes about 5 minutes. Many online lenders offer same-day or next-day funding.

Q: Are there restrictions on how I spend the money?

Lenders generally do not restrict how you use the funds. Any large expense or financial goal qualifies.

Q: Is MaybeLoan a lender?

No, MaybeLoan is not a lender. We connect borrowers with lenders – the actual loan decision is made by the lender. There are no fees and no pressure.

Personal Loans in North Dakota - Online or Near Me

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Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Oct 2026

Written by Ryan Abramson

Last Updated: Oct 2026

Here's what fees you can expect when obtaining online personal loans in North Dakota:

Personal loan lending status in North Dakota:	Legal
Maximum loan amount in North Dakota:	Not specified
APR:	36% a year including fees (N.D.C.C. 13-04.1-09.3); late fee 5% of the payment, at most $20 on loans of $50,000 or less
Minimum loan term:	Not specified
Maximum loan term:	36 months for loans under $2,000, with no balloon payment
State Regulator:	North Dakota Department of Financial Institutions

Table Data Updated: October 2026.

Above you can see what fees you can expect when obtaining online personal loans in North Dakota.

Personal Loan Locations in North Dakota

Search 21 personal loan locations in North Dakota by city or ZIP, or use your location to see the nearest first.

21 locations in 4 cities

Travis Lang - Mortgage Lender | Barrett Financial Group, LLC.

4.9★★★★☆(152 reviews)

114 N 4th St, Bismarck, ND 58501, USA

(701) 226-4651

EZ Money Check Cashing

4.8★★★★☆(58 reviews)

1545 S Broadway, Minot, ND 58701, USA

(701) 837-6333

eLendingNow

5.0★★★★★(52 reviews)

1655 N Grandview Ln Suite 105B, Bismarck, ND 58503, USA

(701) 355-4172

Joe Sheehan - Granite Bank

5.0★★★★★(48 reviews)

120 N 3rd St, Bismarck, ND 58501, USA

(701) 400-3926

Money Lenders

4.6★★★★☆(46 reviews)

913 Burlington Dr Ste 4, Bismarck, ND 58504, USA

(701) 323-0183

Gate City Bank

5.0★★★★★(40 reviews)

1725 Golf Dr, Bismarck, ND 58503, USA

(701) 355-7650

OneMain Financial

3.3★★★☆☆(40 reviews)

4900 13th Ave S #2, Fargo, ND 58103, USA

(701) 293-9200

Railway Credit Union

4.5★★★★☆(32 reviews)

3005 Rock Island Pl, Bismarck, ND 58504, USA

(701) 222-8736

OneMain Financial

3.9★★★☆☆(30 reviews)

555 S 7th St, Bismarck, ND 58504, USA

(701) 255-0813

EZ Money Check Cashing

4.8★★★★☆(21 reviews)

3041 Main Ave, Fargo, ND 58103, USA

(701) 234-0085

Also in North Dakota: Payday Loans in North Dakota Personal Loans in North Dakota

A personal loan in North Dakota is a fixed-amount loan from banks, credit unions, and online lenders. Loan amounts vary widely and pay back over 1 to 7 years with predictable payments.

Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.

Benefits of Using MaybeLoan

Compare multiple lenders at once – view real offers side by side with one quick form
Soft check only at comparison stage – the matching process does not affect your credit
Transparent monthly payments – know exactly what you are paying before you commit
From good to fair credit – not just prime borrowers
Free service – lenders pay us, not you

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The Application Process

The process is fully online – no branch visits required.

Step 1: Enter your basic information – takes about 5 minutes
Step 2: See your offers – compare real rate offers instantly
Step 3: Compare and choose – look at APR, monthly payments, and loan terms
Step 4: Receive your money – once approved, funds are deposited directly to your bank account

Who Qualifies

North Dakota residents typically need to meet these basic criteria:

18 years of age or older
Legal residency in the United States
A U.S. bank account for fund deposits
Verifiable income
SSN required for identity and credit verification

Credit score requirements vary by lender. Many online lenders accept scores as low as 580-600.

Personal Loan Rates in North Dakota

Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.

Always compare at least 2-3 lenders before deciding.

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FAQ - Personal Loans in North Dakota

Can I get a personal loan in North Dakota with bad credit?

How fast can I get a personal loan in North Dakota?

Are there restrictions on how I spend the money?

Is MaybeLoan a lender?

By Ryan Abramson Last Updated: October 2026

Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.

Edited by Alex Khodzinskiy Personal Finance Editor & Fintech Strategist

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