Payday Loans are short term cash loans to help cover unexpected expenses like auto repairs, family emergencies, or just to bridge a gap between paydays.

Payday Loans are EASY to obtain and are much less expensive than late fees from credit card or utility companies.

To obtain a Payday Loan through our company you must bring in the following:

Pay Stub (most recent)

Bank Statement (most recent)

Utility Bill with your physical address on it

Photo Identification

You must have an open and active checking account.

We will review the information that you have brought in and if everything checks out we will loan you up to $500.00 depending on your income and credit history with us.

Once the loan amount is established, you write us a check for the amount of the loan plus the service fee for the loan.

The loan will be due 15 to 20 days from the day that it was originated.

You may renew the loan one time by paying the service fee in cash. The loan must be renewed for at least 15 days, and must be paid in full no later than 45 days from the date that it was originally taken out. If you loan has been renewed once, it will be deposited on the day after it is due, or you may come into our store and pay your loan off with cash.

We offer 25% OFF the fee of your loan if it is paid in cash.

Used-A-Bit Sales & Pawn

View Used-A-Bit’s Auctions on

(701)277-5056
855 45th Street, SW
Fargo, ND 58103

M-F 9-8 SAT 9-6 SUN 12-5

(701)239-9041
2105 Main Avenue
Fargo, ND 58103

M-F 8-8 SAT 9-6 SUN 12-5

Advantages of USED-A-BIT over the competition:

1- FLEXIBLE LOAN TERMS: Our loans are due when you get paid. Standard terms are from 15 to 20 days, and they can be renewed for a maximum of 60 days from the original loan date. 30 day loans are available for customers paid once monthly.

2 - CASH PAYMENT DISCOUNT: If you pay your loan back with cash, you receive 25% off the fee of your loan.
* Discount applies only when the loan is paid in full by the agreed upon date.