The Best Payday Loans in Beulah, ND

Our research team has identified the top 3 payday loan lenders in Beulahbased on experience, customer reviews, approval rates, and transparent lending practices.

Top Lenders

4.1/5

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Top Payday Loan Lenders in Beulah

Carefully selected based on experience, customer satisfaction, and transparent lending practices

Money Now Payday Loans

Money Now Financial Services

★★★★☆

4.2/5

Money Now Payday Loans is a locally-owned financial service provider that has been serving Beulah and surrounding communities since 2009. They specialize in fast, accessible payday loans with a focus on personalized customer service. Known for their transparent lending practices and flexible repayment options, they've built strong relationships with local residents. Their convenient downtown Beulah location makes them easily accessible for immediate financial needs, and they're recognized for working with customers to find solutions that fit individual circumstances.

Experience:14 years

Reviews:89 customer reviews

(701) 873-1555

112 Central Ave N, Beulah, ND

Loan Types:

Payday LoansCash AdvanceInstallment Loans

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Dakota Cash Advance

Dakota Cash Advance LLC

★★★★☆

4.1/5

Dakota Cash Advance is a regional payday lending company that has established a strong presence in Beulah and throughout Mercer County. Founded in 2012, they've become known for their straightforward application process and competitive rates for North Dakota residents. They specialize in same-day funding for qualified applicants and maintain a reputation for professional, discreet service. Their local Beulah branch is conveniently located near residential areas, making them a popular choice for residents needing quick financial assistance between pay periods.

Experience:11 years

Reviews:67 customer reviews

(701) 873-1420

205 1st St NE, Beulah, ND

Loan Types:

Payday LoansCash AdvanceShort-term Loans

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Plains Payday Loans

Plains Financial Services

★★★★☆

4/5

Plains Payday Loans operates as part of Plains Financial Services, a regional lender serving western North Dakota communities including Beulah. Established in 2014, they've built a solid reputation for reliable payday loan services with clear terms and reasonable fees. They're particularly known for working with first-time borrowers and those with less-than-perfect credit. Their Beulah location provides personalized service with local decision-making, and they're recognized for their community involvement and understanding of the unique financial needs of North Dakota residents.

Experience:9 years

Reviews:52 customer reviews

(701) 873-1385

315 2nd Ave NW, Beulah, ND

Loan Types:

Payday LoansCash AdvanceEmergency Loans

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Frequently Asked Questions

Common questions about payday loans in Beulah, North Dakota

What are the eligibility requirements for a payday loan in Beulah, ND?

To qualify for a payday loan in Beulah, you must be at least 18 years old, have a valid North Dakota driver's license or state ID, provide proof of steady income (typically $1,000+ monthly), have an active checking account, and provide a working phone number. Most Beulah lenders require you to be a North Dakota resident and may verify your employment status. Unlike some states, North Dakota doesn't require a cooling-off period between loans.

What are the maximum costs and fees for payday loans in Beulah?

North Dakota state law caps payday loan fees at $20 per $100 borrowed for loans up to $500, with a maximum loan amount of $500. This means a typical two-week $500 loan in Beulah would cost $100 in fees. Lenders in Beulah cannot charge additional fees beyond this state-mandated maximum, and they must clearly disclose all terms before you sign any agreement.

Are there any local Beulah regulations I should know about payday loans?

While North Dakota state law governs most payday lending regulations, Beulah residents should know that lenders must be licensed with the North Dakota Department of Financial Institutions. There are no additional city-level restrictions in Beulah beyond state law. North Dakota allows rollovers but limits them to one renewal, and lenders must offer an extended payment plan if you cannot repay after your third renewal.

What documentation do I need to apply for a payday loan in Beulah?

When applying for a payday loan in Beulah, you'll typically need your North Dakota driver's license or state ID, recent pay stubs or proof of income (such as bank statements showing direct deposits), your Social Security number, and a voided check or bank account information from a local Beulah-area bank. Some lenders may also ask for recent utility bills to verify your address.

What happens if I can't repay my payday loan on time in Beulah?

If you cannot repay your payday loan in Beulah, North Dakota law requires lenders to offer an extended payment plan at no additional cost after your third loan renewal. You must request this plan, which gives you at least 60 days to repay in installments. Beulah lenders cannot charge additional fees for this arrangement, but they may report delinquent accounts to credit bureumas, which could affect your credit score.

Financial Insights

Quick Payday Loans in Beulah, ND: A Local's Guide to Fast Financial Help

When an unexpected car repair bill arrives or a medical expense pops up before your next paycheck, finding quick financial help in Beulah, North Dakota, can feel urgent. For many local residents, quick payday loans offer a potential solution to bridge that temporary cash gap. These small, short-term loans are designed to provide fast access to funds, often within the same day, which can be crucial when facing a pressing need in our community. Understanding how they work specifically in Beulah and under North Dakota law is the key to using them responsibly if you decide they're right for your situation.

Understanding North Dakota's Rules for Quick Cash North Dakota state law provides specific protections for borrowers, which is important to know before you apply. Payday loans here are capped at a maximum of $500. The loan term cannot be less than 60 days, which is longer than in many other states and is designed to give you more breathing room to repay. Lenders cannot charge more than 20% interest on the first $300 and 7.5% on amounts above that, plus a maximum $20 verification fee. There is also a mandatory 24-hour cooling-off period between loans. For Beulah residents, this means you have a structured, regulated framework that aims to prevent the cycle of debt often associated with these products. Always ensure any lender you consider is licensed to operate in North Dakota.

Practical Tips for Beulah Borrowers If you're considering a quick payday loan in Mercer County, start by exploring all local alternatives. Could you arrange a payment plan with the service provider in Beulah, or get a small advance from your employer? If you proceed with a loan, borrow only the absolute minimum you need to cover your emergency. Carefully calculate the total cost of repayment using the state's fee structure before you sign anything. Have a solid plan for how you will repay the loan on your next payday without affecting your ability to cover your regular expenses like rent, utilities from MDU, or groceries. The most important tip is to use this tool for genuine, one-time emergencies only, not for recurring budget shortfalls or non-essential purchases.

Quick payday loans can serve as a financial stopgap for Beulah residents facing a sudden shortfall. By borrowing wisely, understanding your rights under ND law, and having a clear repayment strategy, you can navigate a tight spot without long-term financial strain. Always prioritize your financial well-being and consider all options available in our community first.

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