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The renewal fee is limited to 20 of the loan amount being renewed. In addition, there may be other finance charges included. Finance Charges and Interest on North Dakota Payday Loans. Finance charges can be up to 520 per annum; Some companies will charge a databasing fee which the state laws have not set a maximum limit. How To apply for North Dakota Cash Advance. You can either submit an online application or go to a payday lenders store.