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Only borrow what you can pay back

Payday loans should be used for short-term cash. When you borrow an amount over what you can actually pay back, you put yourself in a bad position. Only borrow what you can pay back.

Help for when you have nowhere to turn and the money is due now.

A single payday advance is for two to three weeks, depending on your pay day.



How often should I use a payday advance service?


Since a payday advance is for short-term financial assistance, you should only use it to solve a cash shortfall between paydays.


What should I do if I'm having a hard time paying back my payday advance?


Talk to the payday company to see if you can get an extended payment

plan which will allow additional time to pay them back.


What happens if I change my mind after I take out the advance?


North Dakota state law allows you to rescind your advance at no cost by the end of the following

business day.


This is not a permanent fix.

A pay day advance is to be used as a short-term cash flow.

It is not designed as a solution to a long-term financial problem. Credit counseling services are available.


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The following frequently asked questions might help you understand payday loans a bit better.