Best Auto Loans in North Dakota

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In North Dakota, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the North Dakota Department of Financial Institutions.

North Dakota Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$250,000

Median Household Income

$74,000

Avg Student Debt

$29,115

State Regulator

North Dakota Department of Financial Institutions

Notable law: North Dakota permits payday loans with fees up to $20 per $100 borrowed and caps the number of outstanding loans at one per lender, but sets no ceiling on installment loan APRs.

8 Auto Loans Lenders serving North Dakota

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of North Dakota

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of North Dakota

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of North Dakota

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of North Dakota

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of North Dakota

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of North Dakota

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of North Dakota

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of North Dakota

Apply at OnDeck

North Dakota Lending Laws

North Dakota permits payday loans with fees up to $20 per $100 borrowed and caps the number of outstanding loans at one per lender, but sets no ceiling on installment loan APRs.

The primary regulator for consumer lending in North Dakota is the North Dakota Department of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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