Cash advances in Grand Forks follow North Dakota law: up to $500, fee 20% of loan amount ($20 per $100), term Max 60 days. The state’s typical $300 loan costs $60 in fees and repays $360 — about 521% APR.
| Max amount | $500 |
|---|---|
| Max fee / rate | 20% of loan amount ($20 per $100) |
| Term | Max 60 days |
| Rollovers | Forbidden |
| APR on the typical loan | 521% |
| Regulator | North Dakota Department of Financial Institutions |
Statute: N.D. Cent. Code § 13-08-01 et seq. · details on the North Dakota state page
| County | Grand Forks County/Grand Forks County |
|---|---|
| Population | 57,746 |
| Median household income | $57,936 |
| Rank in North Dakota | #3 by population among covered cities |
| State rules apply | Allowed · cap $500 |
High-cost lenders size loans against your deposit flow, not your address. In Grand Forks, where the median household brings in $57,936 a year, a $300 advance with a $60 fee is one of the smaller recurring hits a budget can take — which is exactly why the cap exists.
Derived from ’s own worked example (a $300 loan carrying a $60 fee). Round figures in dollars.
| Amount | Fee for the term | Total repaid | APR ballpark |
|---|---|---|---|
| $100 | $2,000 | $2,100 | 521% |
| $255 | $5,100 | $5,355 | 521% |
| $300 | $6,000 | $6,300 | 521% |
| $500 | $10,000 | $10,500 | 521% |
Fee rate: 20% of loan amount ($20 per $100) · statute N.D. Cent. Code § 13-08-01 et seq.. Some states hand you the amount minus the fee; others fund the full amount — your contract controls.
Composite scenarios built from typical situations and the cost math on this page — not quotes from named individuals.
An urgent prescription lands between paychecks, full price at the counter. A small advance gets the prescription the same day; the loan costs $51 and settles at $306 with the next check.
Small advances are where app-based options are usually cheaper than any loan.
A refrigerator dies in summer. A used replacement is available today at a cash price. The advance buys the replacement now instead of rent-to-own; the $60 fee on a $360 repayment is a one-time cost against months of installments.
One-time fees compound slower than weekly rental contracts — compare totals.
A household is one bill behind and the utility sets a reconnect deadline later this week. Borrowing now keeps the power on and avoids a reconnect charge; repaying $600 on payday costs $100 for the bridge.
Reconnect fees plus deposit requirements often exceed the advance fee — but only compare before borrowing.
North Dakota law sets one price for the whole state: up to $500 with 20% of loan amount ($20 per $100). A typical $300 advance costs $60 and repays $360. City does not change the price — state does.
Storefront locations change often; this site does not list individual stores. The national chains and independents price at the same state cap — verify any location with the North Dakota Department of Financial Institutions before you sign. Our cash advance places guide covers the chains and the license check.
Lenders typically want steady income with a deposit history in your account — a pay stub or benefits letter is enough at most no-credit-check lenders. Median household income in Grand Forks is $57,936; lenders set no city-specific threshold.
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Free check for Grand Forks, ND · no hard credit pull at this step.
