PAYDAY LOANS IN FARGO, NORTH DAKOTA

Payday Loans are short term cash loans to help cover unexpected expenses like auto repairs, family emergencies, or just to bridge a gap between paychecks. Payday Loans at Used-A-Bit are easy to obtain and are much less expensive than returned check fees and late fees from credit card or utility companies.

How Payday Loans Work

We will review your information and if you qualify we can loan you an amount from $50.00 to $500.00. Once the loan amount is established, a check will be written for the amount of the loan plus the service fee for the loan. The loan will be due 15 to 21 days from the day it originated. Longer terms are available depending on how often you are paid. A loan can be renewed once by paying the service fee in cash. The loan must be paid in full no later than 60 days from the date that it was originally taken out. If a loan is payed off in cash you can save 25% off the service fee. If you do not wish to pay in cash we will deposit your check on its due date.

Requirements to Qualify for a Payday Loan:

Recent Bank Statement

A printed bank statement showing the most recent 30 days of transactions with a running balance. This statement can be printed using your online banking account or your bank can also print it for you.

Proof of Income

Most recent pay stub, Social Security award letter, or a bank statement showing deposits.

Checking Account

An active checking account that has been open at least 90 days with a local branch in the Fargo – Moorhead area.

Photo ID

A valid state issued photo ID.

Working Phone

A working home phone or cell phone in case we need to reach out to you about your loan with us.

Proof of Residence

A bank statement with name and physical address or utility bill with your physical address

Requirements to Qualify for a Payday Loan:

Bank Statement

A printed bank statement showing the most recent 30 days of transactions with a running balance.

Proof of Income

Most recent pay stub, Social Security award letter, or a bank statement showing deposits.

Checking Account

An active checking account that has been open at least 90 days with a local branch in the Fargo – Moorhead area.

Photo ID

A valid state issued photo ID.

Working Phone

A working home phone or cell phone in case we need to reach out to you about your loan with us.

Proof of Residence

A bank statement with name and physical address or utility bill with your physical address

ADVANTAGES OF OUR PAYDAY LOANS

Flexible Loan Terms

Our loans are due when you get paid. Standard terms are from 15 to 21 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.

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.)

Avoid Bank Service Charges

Avoid Bank Service Charges for Non-Sufficient or Returned Checks with a payday loan. Banks typically send larger checks through first, causing numerous NSF check fees for other smaller transactions.

Avoid Late Fees

Payday loans can help you avoid costly late fees or utility disconnect fees.

No Credit Checks

There are no credit checks and this type of loan does not depend on your credit history.

Quick & Easy Cash

Cash is readily available and the transaction usually takes 15 minutes or less.

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2 Fargo Locations

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Looking for us?

Store Locator

2 Fargo Locations

Social Media

Facebook

Keep up to date with us!

Need a quote?

Let's Talk

Chat with our pawnbrokers.