Dickinson, ND · Midwest · Allowed
Payday loans in Dickinson
Dickinson is governed by North Dakota's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in North Dakota. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Dickinson
22,993 residents · Stark County Median household income is $71,144 — above the North Dakota median of $66,543.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the North Dakota page before visiting. Spot an error? Report it.
The online route in Dickinson
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in North Dakota follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the North Dakota regulator.
The rules behind the numbers
A deferred presentment service transaction is a short-term loan and not intended for long-term financial needs.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 521% APR. Every compliant lender in Dickinson has to fit inside that schedule.
Statute: N.D. Cent. Code § 13-08-01 et seq.
Regulator: North Dakota Department of Financial Institutions · www.nd.gov
Questions people ask in Dickinson
Are payday loans legal in Dickinson, ND?
Yes. Storefront payday lending is permitted across North Dakota, and Dickinson runs under the same state rules: maximum loan $500, fees capped at 20% of loan amount ($20 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Dickinson?
The same as anywhere in North Dakota: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Dickinson?
Our 2022-02-20 directory snapshot lists no storefront lenders in Dickinson. Nearby towns may have locations — check the state page for the full list.
Who regulates lenders in Dickinson?
Complaints about a lender go to the North Dakota Department of Financial Institutions (www.nd.gov) — keep the loan agreement and every fee disclosure you were given.