Loans in Big Stone County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Big Stone County, MN.
The median household in Big Stone County earns $70,400 a year, 21% below the Minnesota median of $89,062. About 13% of residents live below the federal poverty line, and 20.3% of households rent their home.
What you need for a payday loan in Big Stone County
Here's what to have on hand before you start your payday loan request in Big Stone 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 Big Stone County
What Big Stone County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Big Stone 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 Big Stone County
Banks with branches in Big Stone County
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Frandsen Bank & Trust | 1 | 165 Main St, Clinton 56225 |
| First Independent Bank | 1 | 101 Main St N, Beardsley 56211 |
| Minnwest Bank | 1 | 21 2nd St Se, Ortonville 56278 |
| Star Bank | 1 | 228 Studdart Ave, Graceville 56240 |
| Grand Marais State Bank | 1 | 113 1st St Nw, Ortonville 56278 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Big Stone County. The nearest counties with credit unions:
Credit unions in Lac qui Parle County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Greater Community | 380 Stockholm, Boyd 56218 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Swift County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Co-Op Credit Union Of Montevideo | 1501 Minnesota Ave, Benson 56215 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Big Stone County?
Big Stone 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 Big Stone 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 Big Stone County?
Options include 5 bank 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 Big Stone County?
Fill out our short online form from anywhere in Big Stone 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 Big Stone 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. Big Stone County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Big Stone County?
Yes. You don't need to visit a branch or storefront anywhere in Big Stone 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.
Where can I get a loan in Big Stone County, MN?
You can apply at banks, credit unions and lenders in Big Stone 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 Big Stone County with bad credit?
Yes, many lenders in our network work with Big Stone 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.