Loans in Clearwater County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clearwater County, MN.
The median household in Clearwater County earns $64,475 a year, 28% below the Minnesota median of $89,062. About 13% of residents live below the federal poverty line, and 19.9% of households rent their home. 12.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Clearwater County
Here's what to have on hand before you start your payday loan request in Clearwater 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 Clearwater County
What Clearwater County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Clearwater 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 Clearwater County
Banks with branches in Clearwater County
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Bagley | 1 | 31 Central St E, Bagley 56621 |
| The Northern State Bank of Gonvick | 1 | 283 Main St, Gonvick 56644 |
| Border Bank | 1 | 123 Main St S, Clearbrook 56634 |
| National Bank of Commerce | 1 | 22 1st St Ne, Bagley 56621 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Clearwater County. The nearest counties with credit unions:
Credit unions in Mahnomen County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 341 Us Highway 59 Ste 2, Mahnomen 56557 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Beltrami County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 1500 Birchmont Dr Ne Ste 45, Bemidji 56601 |
| Trustar | 2313 Trustar Ave Nw, Bemidji 56601 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Clearwater County?
Clearwater 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 Clearwater 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 Clearwater County?
Options include 4 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 Clearwater County?
Fill out our short online form from anywhere in Clearwater 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 Clearwater County?
Yes. You don't need to visit a branch or storefront anywhere in Clearwater 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 a loan in Clearwater 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. Clearwater County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Clearwater County with bad credit?
Yes, many lenders in our network work with Clearwater 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 Clearwater County, MN?
You can apply at banks, credit unions and lenders in Clearwater 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.