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The Best Payday Loans in Churchs Ferry, ND

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

3
Top Lenders
4.1/5
Avg Rating
11
Avg Experience
235
Total Reviews

Top Payday Loan Lenders in Churchs Ferry

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

1

Payday Loan Store

Payday Loan Store

★★★★☆
4.2/5

Payday Loan Store has been serving the Devils Lake region for over a decade, providing reliable payday loan services to residents throughout Ramsey County including Churchs Ferry. They offer quick approval processes and flexible repayment options with a strong focus on customer service. Their location in nearby Devils Lake makes them easily accessible for Churchs Ferry residents seeking short-term financial solutions.

Experience:14 years
Reviews:78 customer reviews
(701) 352-8900
112 Main Street, Devils Lake, ND

Loan Types:

Payday LoansCash AdvanceInstallment Loans
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2

Advance Cash

Advance Cash

★★★★☆
4.1/5

Advance Cash operates multiple locations across North Dakota and serves the Churchs Ferry area through their regional presence. They specialize in same-day payday loans and cash advances with transparent terms and competitive rates. Their established reputation in North Dakota's rural communities makes them a trusted option for Churchs Ferry residents needing emergency funds.

Experience:11 years
Reviews:92 customer reviews
(701) 662-5400
215 4th Street NE, Minot, ND

Loan Types:

Payday LoansCash AdvanceTitle Loans
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3

Money Now Payday Loans

Money Now Payday Loans

★★★★☆
4/5

Money Now Payday Loans serves northeastern North Dakota communities including Churchs Ferry with reliable short-term lending solutions. They offer both in-store and online application options, making them accessible to rural residents. Their focus on straightforward lending practices and local customer service has built them a solid reputation throughout the region for dependable payday loan services.

Experience:9 years
Reviews:65 customer reviews
(701) 746-3300
324 Business Loop, Grand Forks, ND

Loan Types:

Payday LoansCash AdvancePersonal Loans
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Frequently Asked Questions

Common questions about payday loans in Churchs Ferry, North Dakota

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

To qualify for a payday loan in Churchs Ferry, you must be at least 18 years old with a valid government-issued ID, provide proof of North Dakota residency, show verifiable income (typically $1,000+ monthly), and have an active checking account. Most lenders in North Dakota require recent pay stubs or bank statements as income verification. Given Churchs Ferry's small population, some lenders may require additional documentation to verify your employment and residence.

What are the maximum payday loan amounts and fees allowed in North Dakota?

North Dakota state law caps payday loans at $500 with a maximum fee of $20 per $100 borrowed. This means for a typical two-week loan in Churchs Ferry, you'd pay $20 in fees for every $100 borrowed. The annual percentage rate (APR) on these loans can exceed 400%, making them significantly more expensive than traditional loans. These regulations apply statewide, including in Churchs Ferry.

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

Churchs Ferry follows North Dakota state regulations since it doesn't have additional local ordinances. However, due to the city's small size and rural location, you'll likely need to use online lenders or travel to nearby cities like Devils Lake for in-person services. North Dakota requires lenders to be licensed and provides a 60-day repayment plan option if you cannot repay your loan on time, which applies to Churchs Ferry residents.

What documentation do I need to apply for a payday loan as a Churchs Ferry resident?

As a Churchs Ferry resident, you'll typically need your North Dakota driver's license or state ID, recent pay stubs or income verification (such as Social Security or pension statements), your Social Security number, and checking account information. Given the rural nature of Churchs Ferry, online lenders may accept electronic copies, while local lenders in nearby towns might require physical documents. Some lenders may also ask for utility bills to verify your Churchs Ferry address.

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

North Dakota law provides important protections if you cannot repay your payday loan. You're entitled to request an extended payment plan at no additional cost, which gives you at least 60 days to repay the loan in installments. Lenders cannot charge additional fees for this service and must stop all collection activities during the payment plan period. For Churchs Ferry residents, it's crucial to contact your lender immediately if you anticipate repayment difficulties to avoid additional charges or collection actions.

Financial Insights

I Need a Payday Loan Immediately in Churchs Ferry, ND: Your Local Guide

If you're in Churchs Ferry, North Dakota, and find yourself thinking, 'I need a payday loan immediately,' you're not alone. Financial emergencies can strike anyone, from an unexpected car repair on a Ramsey County backroad to a medical bill before your next paycheck arrives. The quiet, tight-knit nature of our community means word travels fast, but so does support. This guide is tailored to help you navigate urgent cash needs with local context and practical steps.

Understanding Your Immediate Options in Ramsey County

First, it's crucial to know that North Dakota law regulates payday lending. State law caps payday loans at $500, with a minimum loan term of 60 days and a maximum finance charge of 20% of the first $300 and 7.5% on amounts from $301 to $500. This provides some consumer protection. In Churchs Ferry, with its smaller population, there may not be a physical payday loan storefront in town. Residents often look to nearby cities like Devils Lake or online lenders. If you need funds immediately, an online application can be the fastest route. Ensure any lender you consider is licensed to operate in North Dakota. Always calculate the total repayment amount, including fees, before you commit.

Local Considerations and Practical Tips for Churchs Ferry Residents

Given our rural setting, consider your alternatives. Before securing a payday loan, check if you have any options through local community resources or a small loan from a credit union in a neighboring town. Sometimes, a payment plan with the local utility company or medical provider can ease the immediate pressure. If you proceed with a payday loan, have a clear plan for repayment on your next payday to avoid the cycle of debt. Budget for the repayment by cutting non-essential spending. Also, be wary of any lender that doesn't clearly disclose terms or pressures you to borrow more than you need. Protecting your financial stability in our small community is paramount.

In conclusion, while the need for immediate cash in Churchs Ferry is real, informed decisions are your best tool. Explore all options, understand North Dakota's laws, and borrow only what you can repay. Taking a moment to plan can provide not just immediate relief, but also greater peace of mind as you navigate this financial challenge.

i need a payday loan immediately

Nearby Cities

Looking for payday loan lenders in nearby areas? Check out these cities near Churchs Ferry:

Penn

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Leeds

North Dakota

Minnewaukan

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How We Rate Churchs Ferry Lenders

Our comprehensive 5-star rating system evaluates lenders across multiple criteria to help you find the best payday loan provider in Churchs Ferry.

Experience & Reliability

Years in business, approval rates, and specialization in short-term lending.

Customer Reviews & Satisfaction

Verified customer feedback, testimonials, and overall satisfaction ratings.

Terms & Transparency

Clear terms, competitive rates, and transparent lending practices.

Need a Payday Loan in Churchs Ferry?

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