North Dakota Title Loan Laws: Rate Cap, Terms and Repossession

By Lenditup Editorial Team · Law last verified August 7, 2026 · How we verify

Yes. Title loans are legal in North Dakota, and lenders must follow N.D. Cent. Code § 13-04.1-09.3 (Money Brokers).

Title loan rules in North Dakota at a glance

Title loan rules in North Dakota
Title-loan law	N.D. Cent. Code § 13-04.1-09.3 (Money Brokers)
Rate cap	36% APR (all-in cap)
Rollovers and renewals	Refinancing permitted; on loans under $2,000 refinance and extension fees are capped at $100 per calendar year (§ 13-04.1-09.3(4))
Repossession	Allowed after default
Owe the balance after the car is sold?	Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance
Lender license	Required
Statute	N.D. Cent. Code § 13-04.1-09.3 (Money Brokers)

Source: N.D. Cent. Code § 13-04.1-09.3 (Money Brokers) (read the law). We last checked it against the statute on August 7, 2026. See title loan laws in every state.

What a title loan costs in North Dakota

Under North Dakota's rate rules, borrowing $1,000 for 12 months costs $205.55 in interest or fees, so you repay $1,205.55 (36% APR). Your offer may differ.

Example title loan costs in North Dakota
Loan	Term	Interest and fees	Total repaid	APR
$1,000	12 months	$205.55	$1,205.55	36%
$2,500	12 months	$513.86	$3,013.86	36%
$5,000	12 months	$1,027.73	$6,027.73	36%

Check whether the lender adds any fees: the written disclosure must show the full cost and the APR with every fee included.

What happens if you can't repay

If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in North Dakota?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within North Dakota law.

Title loan questions for North Dakota

01What is the most a title lender can charge in North Dakota?

36% APR (all-in cap). Your contract must show the APR before you sign.

02Can I roll over a title loan in North Dakota?

Refinancing permitted; on loans under $2,000 refinance and extension fees are capped at $100 per calendar year (§ 13-04.1-09.3(4)). Each renewal adds cost, so ask for the total you will repay.

03What happens if I can't repay a title loan in North Dakota?

04Is Lenditup a title lender in North Dakota?

No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within North Dakota law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.

Are title loans legal in North Dakota?