Personal loans in Hazen, ND

Hazen is one of 55 cities we cover in North Dakota. North Dakota regulates short-term and installment lending through its own agency; the facts below show what applies here. That matters most for short-term products, where state rules vary widely. Model two or three scenarios before you apply, so you know which terms are genuinely affordable. The sourced facts below are the same for every city in North Dakota; they are the rules a lender here has to follow.

Hazen is covered under North Dakota's consumer lending rules.

What to know before you borrow in North Dakota

Debt collection rulesThird-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the North Dakota Office of the Attorney General.Source: North Dakota Office of the Attorney General · as of 2026
Military lending protectionsThe federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookupCheck whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the North Dakota Department of Financial Institutions; consumers can file complaints with the North Dakota Department of Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026
Payday lendingPermitted and regulated — maximum loan amount: $500 A licensee may not engage in a deferred presentment service transaction with a customer who has an aggregate value of all outstanding obligations from any one customer exceeding $600 which is payable to the same or any other licensee; maximum loan term: The total period of deferral, including the initial deferral and one renewal, may not exceed 60 days. An individual renewal period may not be less than 15 days. After 60 days the renewed deferred presentment service transaction must be paid off in cash, money order, electronic payment, or cashier’s check by the customer or, if a check is used, the check must be deposited by the licensee.Source: National Conference of State Legislatures · as of 2023

See all North Dakota lending rules →

Compare offers in Hazen

The fastest way to compare two offers in Hazen is total cost, not the headline rate. Enter both into the loan comparison calculator and look at the total repaid.

To see how a lender is likely to view the application, run your figures through the debt-to-income calculator.

Compare personal loan offers in Hazen

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Frequently asked questions

Does North Dakota cap the interest a lender can charge?

Yes, North Dakota sets its own consumer lending rules, including any rate or fee limits. The sourced table above names the regulator and the statute for each figure.

How much can I borrow in Hazen?

Loan amounts depend on the lender and your income and credit profile rather than on the city. Use the calculators above to see what a given amount and term would cost you each month.

How long does a personal loan take in Hazen?

Timelines vary by lender. Some pre-qualify in minutes and fund within a day or two; others take longer because they verify income and employment. A soft pre-qualification does not commit you to anything.

Is a personal loan in North Dakota unsecured?

Most personal loans are unsecured, meaning no collateral is pledged. Some lenders offer secured personal loans backed by a savings account or other asset, which may carry a lower rate.

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