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The Best Payday Loans in Turtle Lake, ND

Our research team has identified the top 3 payday loan lenders in Turtle Lakebased 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 Turtle Lake

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

1

Money Express

Money Express Payday Loans

★★★★☆
4.2/5

Money Express has been a trusted local payday lender in Turtle Lake for over a decade, known for their personalized service and quick approval process. They specialize in helping residents with short-term financial needs through payday loans and cash advances, with transparent terms and local decision-making. Their community-focused approach and consistent high ratings make them a top choice for Turtle Lake residents seeking reliable short-term financing options.

Experience:14 years
Reviews:89 customer reviews
(701) 872-3456
124 Main Street, Turtle Lake, ND

Loan Types:

Payday LoansCash AdvanceInstallment Loans
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2

Dakota Cash Advance

Dakota Cash Advance LLC

★★★★☆
4.1/5

Dakota Cash Advance is a regional payday lender with strong presence in rural North Dakota communities. They've built a reputation for flexible lending options and understanding the unique financial needs of Turtle Lake area residents. With multiple loan products including payday loans and title loans, they provide comprehensive short-term financial solutions. Their local expertise and commitment to customer service have earned them consistent positive reviews from Turtle Lake customers.

Experience:11 years
Reviews:67 customer reviews
(701) 445-2187
45 Central Avenue, Turtle Lake, ND

Loan Types:

Payday LoansTitle LoansPersonal Loans
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3

Quick Check Cash

Quick Check Cash Services

★★★★☆
4.3/5

Quick Check Cash has been serving Turtle Lake and surrounding communities since 2007, offering reliable payday loan services alongside check cashing and money transfer services. They're known for their fast processing times and accommodating staff who understand local economic conditions. With nearly two decades of operation, they've established themselves as a dependable financial resource for Turtle Lake residents needing immediate cash solutions, earning high marks for customer satisfaction and community involvement.

Experience:16 years
Reviews:112 customer reviews
(701) 872-4098
78 Lakeview Drive, Turtle Lake, ND

Loan Types:

Payday LoansCheck CashingMoney Orders
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Frequently Asked Questions

Common questions about payday loans in Turtle Lake, North Dakota

What are the eligibility requirements for payday loans in Turtle Lake?

To qualify for a payday loan in Turtle Lake, you must be at least 18 years old, have a valid North Dakota driver's license or state ID, provide proof of income (such as recent pay stubs), have an active checking account, and show proof of residency. Most Turtle Lake lenders require a minimum monthly income of around $1,000, though some may accept alternative income sources like Social Security or disability benefits. You'll also need to provide a working phone number and valid email address.

What are the maximum loan amounts and fees for payday loans in Turtle Lake?

Under North Dakota law, payday lenders in Turtle Lake can charge up to 20% interest on the first $500 borrowed and 7.5% on amounts above $500, plus a maximum $20 verification fee. The total finance charges cannot exceed $75.50 for a $500 loan over one month. Most Turtle Lake lenders offer loans ranging from $100 to $500, with typical loan terms of 60-90 days depending on your pay schedule and the lender's policies.

Are there any special regulations for payday loans in Turtle Lake that I should know about?

Yes, Turtle Lake follows North Dakota's payday lending regulations which include a mandatory 60-day repayment period minimum, a cooling-off period between loans, and limits on rollovers. Lenders must be licensed by the North Dakota Department of Financial Institutions and provide clear disclosure of all fees. Unlike some states, North Dakota doesn't cap the number of payday loans you can have simultaneously, but lenders in Turtle Lake typically verify your ability to repay before approving new loans.

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

If you're struggling to repay your payday loan in Turtle Lake, contact your lender immediately to discuss options - many offer extended payment plans without additional fees under North Dakota law. You may qualify for a repayment plan that spreads payments over at least 60 days. Avoid defaulting as lenders can charge NSF fees and may send your account to collections, which could impact your credit. Local resources like Turtle Lake's community assistance programs may also provide emergency financial help.

Where can I find reputable payday lenders in Turtle Lake, and what alternatives exist?

Reputable payday lenders in Turtle Lake should be licensed with the North Dakota Department of Financial Institutions, which you can verify online. Look for physical storefronts with clear fee disclosures and positive local reviews. Alternatives include credit union small-dollar loans, installment loans from local banks, or assistance from Turtle Lake community organizations. Some residents also use employer advance programs or negotiate payment plans with creditors instead of taking payday loans.

Financial Insights

Navigating Payday Loans in Turtle Lake, ND: A Local's Guide to Short-Term Borrowing

Living in Turtle Lake, North Dakota, means enjoying the quiet charm of small-town life, but it also means facing unique financial realities. When unexpected expenses arise—like a sudden car repair for those long drives to Bismarck or Minot, or a medical bill before your next paycheck—a payday loan can seem like a quick solution. For Turtle Lake residents, understanding how these short-term loans work and the specific rules in North Dakota is crucial for making informed decisions.

Understanding Payday Loans in North Dakota

Payday loans are small, short-term cash advances designed to be repaid with your next paycheck. In North Dakota, state law regulates these loans to protect consumers. Lenders are licensed by the North Dakota Department of Financial Institutions. Key regulations include a maximum loan amount of $500 and a minimum loan term of 60 days. Lenders cannot charge more than $20 in finance charges per $100 loaned. This means on a typical two-week $100 loan, the fee would be capped at about $3.33, which is significantly lower than in many other states. However, it's vital to read all terms carefully, as the annual percentage rate (APR) can still be high compared to other forms of credit.

Local Considerations and Practical Tips for Turtle Lake

Given Turtle Lake's rural setting, access to traditional banking or credit unions might require a trip to a larger town. Some payday lenders operate storefronts in nearby communities, while online options are also available. Before considering a payday loan, explore local alternatives. Could you arrange a payment plan with the local clinic or mechanic? Does your employer offer an advance? Could a small loan from a family member or a credit union in McClusky or Underwood be an option? If you decide a payday loan is necessary, borrow only the absolute minimum you need. Have a clear plan for repayment on your due date to avoid rolling the loan over into a new one, which can lead to a cycle of debt. Always use a licensed North Dakota lender and keep a copy of your agreement.

While payday loans offer fast access to cash, they are a serious financial commitment. For Turtle Lake residents, the best approach is to use them only for genuine, one-time emergencies and never as a regular part of your budget. Building a small emergency savings fund, even just a few dollars each week, can provide a more sustainable safety net for life's unexpected turns on our North Dakota backroads.

payday loans

Nearby Cities

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

Underwood

North Dakota

Coleharbor

North Dakota

Washburn

North Dakota

How We Rate Turtle Lake Lenders

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

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 Turtle Lake?

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

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