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Best Bad-Credit Loan Lenders in North Dakota

Although North Dakota’s average credit score of 733 is quite high, there are lenders who provide loans to people who cannot meet this threshold. To identify the top bad-credit loan provider in the state, MoneyGeek looked at more than 35 distinct factors, including the loan amounts granted, APR ranges, loan payback times and Better Business Bureau (BBB) ratings.

MoneyGeek's analysis found that Upstart is the best company for bad-credit personal loans in North Dakota, followed by Upgrade.

Best Overall Bad-Credit Loan in North Dakota: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in North Dakota: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in North Dakota for You

The average personal loan debt in North Dakota is $15,869, so you are not alone in seeking one. To check your eligibility for a personal loan, your credit score is just one of the factors considered. To get the best bad-credit loan and lender in North Dakota, MoneyGeek suggests doing the following.


Ask Yourself the Important Questions

Before applying for a personal loan, you should address the following questions.

  • How much funding do you need? Having an accurate estimate of your financial needs can help you avoid taking on more debt than is necessary.
  • What’s your credit score? When considering whether to issue you a loan, creditors rely heavily on your credit score. Consequently, with a bad-credit score, you may not qualify for loans with generous loan conditions and rates.
  • Can you afford the monthly payments? Determine if you can afford the monthly loan payments by examining your financial standing. Your credit score and financial health may suffer as a result of missed or late payments.
  • Do you have existing debts? Those who already have debts should carefully consider whether or not to take out a new loan unless doing so will result in reduced interest rates and a more manageable monthly payment.
  • Is your debt manageable through other means? With bad credit, you are highly likely to get a loan with a high APR. Find an interest-free alternative if possible, such as borrowing from family members or using a credit card with a 0% intro APR.

Do Your Research

Finding lenders that are able to cater to your individual requirements should be your first step. You should conduct your own research before settling on a loan and lender since our recommendations are broad and generic.


Read the Fine Print

Learn as much as you can about the costs, penalties and rates associated with the loan before you sign a contract with a lender. To prevent getting surprised by hidden fees and charges, it is essential to read the fine print in its entirety.



Create a list of lenders that might accept you and pick one carefully. Before applying for a personal loan, take a couple of days to think about the decision. Consider alternate means of funding and examine whether your chosen lender is the right option for your needs.



After you have found a lender you are comfortable working with, you may apply for a personal loan with them. Most personal loan applications are completed online, but you can visit the lender or call them if you have questions or concerns.

What to Do if You Can’t Get a Bad-Credit Loan in North Dakota

It might be frustrating to have your application denied when you urgently need a loan to address a financial emergency. You still have options available to you if you need a loan with bad credit. Getting in touch with the lender could help you understand why you were denied a loan. Even if they accept borrowers with bad credit, a lender could still turn you down if you don’t meet their other requirements.

Additionally, you can determine whether altering your application, such as requesting a lower sum, will make it more acceptable. MoneyGeek recommends that you fix the issue that caused your loan application to be turned down before applying for another loan. You can spare yourself the heartache of future rejections by doing so.

In any case, you should try to avoid getting a payday loan that involves higher interest rates and a shorter loan term. Payday loans don’t positively affect your credit score if you repay them on time, and failing to do so can significantly worsen your financial situation.

Calculate Your Monthly Payment

Once you have received your loan, you will have to begin making monthly payments that include the principal and the applicable interest. It’s important to make a rough estimate based on your current financial situation to see whether the monthly payments are feasible for you.

MoneyGeek’s personal loan calculator is a great tool for determining the monthly payment on a bad-credit loan in North Dakota.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in North Dakota

Before submitting an application for a personal loan, give it some serious thinking. MoneyGeek provides answers to some frequently asked questions if you reside in North Dakota and are considering a bad-credit personal loan.


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By gathering and examining more than 35 data points in six key categories — affordability, loan accessibility, user friendliness, customer service, lender transparency and flexibility — MoneyGeek studied more than 30 personal loan providers for this analysis.

When selecting a bad-credit loan provider, we looked at distinct data points from each rating category that we believe should be given the most weight. Some of these factors include the APR ranges, maximum loan amounts, eligibility requirements, application fees and disbursement times.

MoneyGeek values you, the consumer, and is committed to helping you save money through our in-depth research and analysis. We evaluate factors like prequalification, payment options and mobile apps before recommending a lender since we are aware of how important it is for a convenient customer experience.

All of MoneyGeek's recommendations are carefully crafted with your financial well-being in mind after much research and consideration. We hope that our advice and personal loan recommendations will assist you in finding a trustworthy and reliable lender to fulfill your personal loan needs.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.