Loans in Benton County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, MN.
The median household in Benton County earns $74,410 a year, 16% below the Minnesota median of $89,062. About 10% of residents live below the federal poverty line, and 33.3% of households rent their home.
What you need for a payday loan in Benton County
Lenders that serve Benton County typically ask for the following:
- 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 Benton County
What Benton County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Benton 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 Benton County
Banks with branches in Benton County
12 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Frandsen Bank & Trust | 2 | 341 4th Ave N, Foley 56329 |
| Gate City Bank | 2 | 1001 4th St Se, Saint Cloud 56304 |
| Wells Fargo Bank, National Association | 1 | 115 1st St S, Sauk Rapids 56379 |
| Old National Bank | 1 | 100 Main St E, Rice 56367 |
| American Heritage National Bank | 1 | 525 Highway 10 S, Saint Cloud 56304 |
| Farmers and Merchants State Bank of Pierz | 1 | 1301 2nd St N, Sauk Rapids 56379 |
| U.S. Bank National Association | 1 | 122 2nd Ave S, Sauk Rapids 56379 |
| The First National Bank of Milaca | 1 | 10225 115th Street N.E., Gilman 56333 |
| Falcon National Bank | 1 | 183 Cedar Dr, Foley 56329 |
| Pine Country Bank | 1 | 750 125th St Ne, Rice 56367 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Credit Union 1 | 161 Glen St, Foley 56329 |
| St. Cloud Financial | 205 2Nd Ave N, Sauk Rapids 56379 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Benton County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton 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 Benton 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 Benton County?
Options include 12 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 Benton County?
Fill out our short online form from anywhere in Benton 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 get a loan in Benton County with bad credit?
Yes, many lenders in our network work with Benton 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.
Can I get an emergency loan in Benton County?
Yes. When an unexpected bill comes up, Benton 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.
Where can I get a loan in Benton County, MN?
You can apply at banks, credit unions and lenders in Benton 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.
Can I get a loan in Benton County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Benton County residents can start any time, and it takes about 3 minutes.