A 20% fee cap with a $600 aggregate outstanding limit tracked across lenders.
What a Cash Advance Costs in North Dakota
North Dakota caps cash advance fees at 20% of the amount advanced — for example, a maximum $20 fee on a $100 advance — with no additional add-on charges beyond a database registration cost.
Loan Size, Term, and Renewal Rules
Lenders can't extend a new advance once a borrower's aggregate outstanding obligations exceed $600, and a 3-business-day cooling-off period applies before a new consecutive advance.
| Factor | Rule |
|---|---|
| Fee cap | 20% of amount advanced |
| Aggregate outstanding limit | $600 |
| Cooling-off period | 3 business days |
Verify current rules with the North Dakota Department of Financial Institutions before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in North Dakota
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