Loans in Beltrami County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Beltrami County, MN.
The median household in Beltrami County earns $68,975 a year, 23% below the Minnesota median of $89,062. About 16% of residents live below the federal poverty line, and 29.9% of households rent their home.
What you need for a payday loan in Beltrami County
Here's what to have on hand before you start your payday loan request in Beltrami County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Beltrami County
What Beltrami County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Beltrami County
Payday Loans Legal
Payday-type loans are legal in Minnesota but capped at a 50% all-in APR: 'consumer small loans' (single-payment loans of $350 or less, Minn.
Personal Loans
Greater of 21.75% APR or 33% to $1,425/19% above; small loans 50%.
Title Loans Legal
Car title loans are allowed in Minnesota only from lenders licensed by the Department of Commerce (industrial loan and thrift or regulated lender), and charges are limited to the…
Banks and credit unions in Beltrami County
Banks with branches in Beltrami County
15 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Bemidji | 3 | 1600 Paul Bunyan Dr Nw, Bemidji 56601 |
| Security Bank USA | 2 | 1025 Paul Bunyan Dr Nw, Bemidji 56601 |
| Deerwood Bank | 2 | 16 Summit Ave W, Blackduck 56630 |
| National Bank of Commerce | 2 | 1260 Paul Bunyan Dr Nw, Bemidji 56601 |
| First State Bank of Bigfork | 1 | 184 E Main St, Kelliher 56650 |
| Wells Fargo Bank, National Association | 1 | 2024 Paul Bunyan Dr Nw, Bemidji 56601 |
| KodaBank | 1 | 1060 Paul Bunyan Dr Nw, Bemidji 56601 |
| Bank Forward | 1 | 700 Paul Bunyan Dr Nw, Bemidji 56601 |
| Ultima Bank Minnesota | 1 | 101 Shevlin Ave Sw, Bemidji 56601 |
| American National Bank of Minnesota | 1 | 1317 Paul Bunyan Dr Nw, Bemidji 56601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Beltrami County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 1500 Birchmont Dr Ne Ste 45, Bemidji 56601 |
| Trustar | 2313 Trustar Ave Nw, Bemidji 56601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Beltrami County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Beltrami County?
Beltrami County follows Minnesota law. Payday-type loans are legal in Minnesota but capped at a 50% all-in APR: 'consumer small loans' (single-payment loans of $350 or less, Minn.
Are title loans legal in Beltrami County?
Car title loans are allowed in Minnesota only from lenders licensed by the Department of Commerce (industrial loan and thrift or regulated lender), and charges are limited to the pawnshop maximum of 3% a month plus a limited storage/service fee.
Where can I get a small loan in Beltrami County?
Options include 15 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Beltrami County?
Fill out our short online form from anywhere in Beltrami County. We share it with lenders in our network that serve Minnesota; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Beltrami County?
Yes. You don't need to visit a branch or storefront anywhere in Beltrami County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Minnesota. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Beltrami County?
Yes. When an unexpected bill comes up, Beltrami County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Beltrami County with bad credit?
Yes, many lenders in our network work with Beltrami County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Beltrami County, MN?
You can apply at banks, credit unions and lenders in Beltrami County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Minnesota residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.