Loans in Clay County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, MN.
The median household in Clay County earns $81,172 a year, 9% below the Minnesota median of $89,062. About 13% of residents live below the federal poverty line, and 34.1% of households rent their home.
What you need for a payday loan in Clay County
Lenders that serve Clay 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 Clay County
What Clay County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Clay 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 Clay County
Banks with branches in Clay County
19 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Gate City Bank | 4 | 2929 20th St S, Moorhead 56560 |
| Bell Bank | 3 | 1018 Hobart St, Hawley 56549 |
| Northwestern Bank, National Association | 3 | 4 Main St N, Dilworth 56529 |
| Valley Premier Bank | 2 | 416 6th St, Hawley 56549 |
| Wells Fargo Bank, National Association | 1 | 950 Holiday Dr, Moorhead 56560 |
| State Bank of Lake Park | 1 | 100 Front Street West, Hitterdal 56552 |
| Midwest Bank | 1 | 215 Front Street South, Barnesville 56514 |
| American Federal Bank | 1 | 601 Center Ave, Moorhead 56560 |
| Old National Bank | 1 | 3131 S Frontage Rd, Moorhead 56560 |
| Choice Financial Group | 1 | 801 Main Ave, Moorhead 56560 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clay County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 403 8Th St S Ste B, Moorhead 56560 |
| Magnifi Financial | 1002 Main Ave, Moorhead 56560 |
| First Community | 2602 34Th St S, Moorhead 56560 |
| United Savings | 1407 W Highway 10, Dilworth 56529 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clay County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay 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 Clay 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 Clay County?
Options include 19 bank and 5 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 Clay County?
Fill out our short online form from anywhere in Clay 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 Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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 Clay County?
Yes. When an unexpected bill comes up, Clay 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 Clay 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. Clay County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Clay County, MN?
You can apply at banks, credit unions and lenders in Clay 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.