North Dakota Late Fee Calculator
Work out interest on an overdue B2B invoice under North Dakota law. The legal default rate — what applies when the contract is silent — is 6%, and the statute is quoted verbatim below. All math runs locally in your browser.
Legal rate for any legal indebtedness unless a different written rate (continues after maturity).
Late fee breakdown
- Interest owed
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- Daily rate
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- Total (invoice + interest)
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Still unpaid? Generate a formal demand letter — it computes the interest and cites North Dakota's statute (N.D.C.C. 47-14-05, 47-14-09) for you.
What North Dakota law actually says
Interest for any legal indebtedness must be at the rate of six percent per annum unless a different rate not to exceed the rate specified in section 47-14-09 is contracted for in writing. Unless otherwise agreed by the parties in writing, all contracts must bear the same rate of interest after maturity as they bear before maturity.
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Maximum late fee in North Dakota — written B2B contracts
Conditional cap ~9% floating (non-entity, $35k or less).
Loans to a corp/LLC/partnership, and any deal over $35,000, are exempt. A sub-$35k debt owed by a sole prop stays under the floating cap (T-bill+5.5%, 7% floor; ~9% mid-2026).
Basis: N.D.C.C. § 47-14-09. Compare all 51 jurisdictions on the full state table and the cap-regime map.
B2B invoices only — not rent, not consumer debt
Everything on this page is about business-to-business invoices. Residential rent late fees live in North Dakota's landlord-tenant law and consumer credit has separate, stricter rules — two different bodies of law. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
North Dakota's row — rate, cap, citation, verbatim quote, verification date — is part of our open 51-jurisdiction dataset: CSV · JSON (CC BY 4.0, cite myinvoicetemplate.com). Set late-fee terms on your next invoice with the free invoice generator, or state them clearly using the wording guidance in the payment terms guide.
North Dakota late fee FAQ
Can I charge late fees on overdue invoices in North Dakota?
Yes — on business-to-business invoices. If your contract or invoice states a late-fee rate, that rate governs (subject to the cap rules below). If nothing was agreed: 6%. Legal rate for any legal indebtedness unless a different written rate (continues after maturity). Statute: N.D.C.C. 47-14-05, 47-14-09, verified 2026-08-19. Consumer and rent debts follow separate laws.
What is the maximum late fee I can charge in North Dakota?
For a written B2B contract: Floating cap: 6-month T-bill average +5.5 pts, published monthly by the banking commissioner (August 2026: 9.154%; floor 7%); most genuine business transactions are exempt. Basis: N.D.C.C. § 47-14-09. The full cap analysis is in the section above; this covers business-to-business deals only — consumer credit has stricter separate caps.
What interest applies if my contract doesn't mention late fees in North Dakota?
The statutory default rate of 6%. Legal rate for any legal indebtedness unless a different written rate (continues after maturity). Statute: N.D.C.C. 47-14-05, 47-14-09 (verbatim quote on this page, verified 2026-08-19).
Does this cover rent, apartment, or consumer late fees in North Dakota?
No. This page covers business-to-business invoices only. Residential rent late fees are governed by North Dakota's landlord-tenant law, and consumer credit for personal, family, or household purposes has its own stricter caps and disclosure rules. Those are different statutes than the commercial-interest law cited here.
Where does this data come from, and when was it verified?
Every figure on this page comes from our 51-jurisdiction dataset: each row researched against the controlling statute or the state's official current-rate page, independently re-checked, and stamped with its own verification date — North Dakota's row was last verified 2026-08-19. The operative legal text is quoted verbatim on this page with a link to the official source, the methodology is public, every verification pass is logged in the changelog, and the full dataset is downloadable (CC BY 4.0).
Not legal advice. This page summarizes North Dakota's commercial-interest statute for general information, with the verification date shown above — it tells you when we last confirmed the figures, not that they are still current today. Statutes change and courts interpret them; verify the cited statute at the official source, or ask a licensed attorney in your state, before charging or demanding interest.