Loans in Carlton County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carlton County, MN.
The median household in Carlton County earns $80,573 a year, 10% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 20.0% of households rent their home.
What you need for a payday loan in Carlton County
Lenders that serve Carlton 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 Carlton County
What Carlton County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Carlton 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 Carlton County
Banks with branches in Carlton County
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Moose Lake | 2 | 400 Elm Ave, Moose Lake 55767 |
| Northview Bank | 2 | 3697 County Road 13, Barnum 55707 |
| U.S. Bank National Association | 1 | 715 Cloquet Ave, Cloquet 55720 |
| Wells Fargo Bank, National Association | 1 | 1502 Highway 33 S, Cloquet 55720 |
| Cornerstone State Bank | 1 | 1516 Cloquet Ave, Cloquet 55720 |
| National Bank of Commerce | 1 | 3 Thomson Rd, Esko 55733 |
| Frandsen Bank & Trust | 1 | 712 Highway 33 S, Cloquet 55720 |
| Woodlands National Bank | 1 | 240 North Rd, Cloquet 55720 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carlton County
6 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Members Cooperative | 1299 Highway 33 S, Cloquet 55720 |
| Northwoods | 1702 Avenue B, Cloquet 55720 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Carlton County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Carlton County?
Carlton 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 Carlton 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 Carlton County?
Options include 10 bank and 6 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 Carlton County?
Fill out our short online form from anywhere in Carlton 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 Carlton 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. Carlton County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Carlton County?
Yes. When an unexpected bill comes up, Carlton 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 Carlton County with bad credit?
Yes, many lenders in our network work with Carlton 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 Carlton County, MN?
You can apply at banks, credit unions and lenders in Carlton 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.