Loans in Cass County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cass County, MN.
The median household in Cass County earns $68,874 a year, 23% below the Minnesota median of $89,062. About 13% of residents live below the federal poverty line, and 13.8% of households rent their home.
What you need for a payday loan in Cass County
Lenders that serve Cass 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 Cass County
What Cass County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Cass 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 Cass County
Banks with branches in Cass County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank North | 5 | 600 Minnesota Ave W, Walker 56484 |
| Pine River State Bank | 2 | 103 Mill St, Pine River 56474 |
| Western National Bank | 1 | 210 2nd St Nw, Cass Lake 56633 |
| Bank Forward | 1 | 106 6th St S, Walker 56484 |
| American National Bank of Minnesota | 1 | 100 Highland Ave W, Walker 56484 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Cass County. The nearest counties with credit unions:
Credit unions in Hubbard County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Trustar | 703 1St St E, Park Rapids 56470 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Crow Wing County
9 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Wings | 7422 Forthun Rd, Baxter 56425 |
| Affinity Plus | 15524 Edgewood Dr, Baxter 56401 |
| Mid Minnesota | 13283 Isle Dr, Baxter 56425 |
| Members Cooperative | 14633 Edgewood Dr, Baxter 56425 |
| Brainerd B. N. | 804 Laurel St Ste 101, Brainerd 56401 |
| Crow Wing Power | 17330 State Highway 371, Brainerd 56401 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Cass County?
Cass 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 Cass 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 Cass County?
Options include 10 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 Cass County?
Fill out our short online form from anywhere in Cass 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.
Where can I get a loan in Cass County, MN?
You can apply at banks, credit unions and lenders in Cass 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 an emergency loan in Cass County?
Yes. When an unexpected bill comes up, Cass 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 Cass County with bad credit?
Yes, many lenders in our network work with Cass 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 a loan in Cass 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. Cass County residents can start any time, and it takes about 3 minutes.