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The Best Payday Loans in Crary, ND

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

3
Top Lenders
4.2/5
Avg Rating
14
Avg Experience
268
Total Reviews

Top Payday Loan Lenders in Crary

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

1

Cash Cow

Cash Cow

★★★★☆
4.2/5

Cash Cow is a well-established regional payday lender with multiple locations across North Dakota, serving Crary residents from their nearby Devils Lake branch. Known for their straightforward application process and quick funding, they specialize in short-term payday loans and cash advances with transparent terms. Their 14 years of experience in North Dakota makes them a trusted choice for emergency financial needs in the Crary area.

Experience:14 years
Reviews:89 customer reviews
(701) 277-3540
112 Main St, Devils Lake, ND

Loan Types:

Payday LoansCash AdvanceInstallment Loans
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2

Quik Cash

Quik Cash

★★★★☆
4.1/5

Quik Cash operates several locations throughout North Dakota and has been serving the Crary region for over a decade. They offer flexible payday loan options with multiple repayment terms and are known for their customer-friendly approach. Their Grand Forks location provides convenient access for Crary residents seeking quick cash solutions, with a reputation for reliable service and fair lending practices.

Experience:12 years
Reviews:67 customer reviews
(701) 746-2274
1602 S Washington St, Grand Forks, ND

Loan Types:

Payday LoansTitle LoansCheck Cashing
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3

Money Now

Money Now

★★★★☆
4.3/5

Money Now is a respected regional payday lender with a strong presence across North Dakota, including service to Crary residents. With 16 years of operation, they've built a reputation for providing accessible payday loans with clear terms and competitive rates. Their Fargo location serves as a regional hub for northeastern North Dakota, offering both in-store and online application options for Crary area customers.

Experience:16 years
Reviews:112 customer reviews
(701) 852-2274
1202 23rd St S, Fargo, ND

Loan Types:

Payday LoansCash AdvancePersonal Loans
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Frequently Asked Questions

Common questions about payday loans in Crary, North Dakota

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

To qualify for a payday loan in Crary, 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 Crary lenders require recent pay stubs or bank statements as income verification. While credit checks are minimal, lenders will verify your ability to repay the loan.

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

North Dakota state law caps payday loans at $500 with a maximum finance charge of 20% of the first $300 and 7.5% on amounts between $301-$500. For a typical $500 loan in Crary, the maximum fee would be $60 plus $15, totaling $75. This means you'd repay $575 for a two-week $500 loan. These state regulations apply to all lenders operating in Crary and throughout North Dakota.

Are there any local alternatives to payday loans for Crary residents?

Crary residents have several alternatives to traditional payday loans, including credit union small-dollar loans, payment plans with local utility companies, and assistance from Ramsey County social service organizations. Many North Dakota credit unions offer payday alternative loans (PALs) with lower interest rates and longer repayment terms. Additionally, some Crarea employers may offer emergency advance programs for employees facing temporary financial hardships.

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

If you cannot repay your payday loan on the due date, North Dakota law allows for one repayment plan at no additional cost if requested before 5 PM on the business day before your payment is due. The lender must offer at least four equal installments over 60 days. However, continuing to roll over loans can lead to significant additional fees and potential collection actions. It's crucial to contact your Crary lender immediately if you anticipate repayment difficulties.

How can I find reputable payday lenders in the Crary area?

While Crary itself has limited physical payday lending locations, residents can check with the North Dakota Department of Financial Institutions to verify licensed lenders operating in the area. Look for lenders who clearly disclose all fees, follow state regulations, and have physical addresses in North Dakota. Many Crary residents use online lenders, but ensure they're licensed to operate in North Dakota and comply with our state's consumer protection laws regarding interest rates and fees.

Financial Insights

I Need a Payday Loan Immediately in Crary, ND: Your Local Guide to Fast Cash

When a financial emergency hits in Crary, North Dakota, it can feel isolating. With the nearest major city being Minot or Devils Lake, the feeling of "I need a payday loan immediately" is often accompanied by questions about local access and options. For Crary residents facing an unexpected car repair, medical bill, or a gap before the next paycheck, understanding your immediate lending choices is crucial. This guide is tailored to help you navigate the fast-cash landscape right here in our small, tight-knit community.

Understanding Your Immediate Options in Crary

First, it's important to know that North Dakota state law regulates payday loans, capping the maximum loan amount at $500. The loan term cannot exceed 60 days. While you may not find a physical payday loan storefront directly in Crary, residents typically look to nearby communities like Devils Lake or Rugby for in-person lenders. However, the most immediate option for our rural area is often an online payday loan application. These can be completed from home and may deposit funds into your bank account as soon as the next business day. Always verify that any online lender is licensed to operate in North Dakota by checking the ND Department of Financial Institutions website.

Practical Tips for a Responsible Short-Term Loan

When urgency strikes, it's easy to rush, but taking a few key steps can protect you. First, exhaust all local alternatives. Could a payment plan with the local clinic or utility company help? Have you checked with local churches or community assistance programs in the Ramsey County area? If a loan is necessary, borrow only the exact amount you need, not the maximum $500 allowed. Calculate the total cost of the loan, including fees, to ensure you can repay it on your next payday without needing another loan. This cycle of debt is the biggest risk with payday loans. Finally, have a concrete repayment plan. Set aside the repayment amount immediately when your income arrives to avoid late fees and credit damage.

While the phrase "I need a payday loan immediately" reflects a pressing need, a moment of planning can make all the difference. For Crary neighbors, exploring all local resources and using payday loans as a last-resort, short-term tool is the wisest path. Ensure any lender you choose is transparent about terms and compliant with ND law. With careful consideration, you can address your immediate need and get back on stable financial ground.

i need a payday loan immediately

Nearby Cities

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

Devils Lake

North Dakota

Tokio

North Dakota

Lakota

North Dakota

How We Rate Crary Lenders

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

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 Crary?

Contact one of our top-rated lenders today for quick approval and competitive rates on your short-term loan needs.

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