Loans in Fillmore County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fillmore County, MN.
The median household in Fillmore County earns $77,512 a year, 13% below the Minnesota median of $89,062. About 8% of residents live below the federal poverty line, and 17.4% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Fillmore County
Here's what to have on hand before you start your payday loan request in Fillmore 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 Fillmore County
What Fillmore County borrowers use it for
deposits, trucks and first-week expenses
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 Fillmore 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 Fillmore County
Banks with branches in Fillmore County
15 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank | 3 | 18 3rd St Se, Chatfield 55923 |
| First Southeast Bank | 3 | 50 Main Street, Granger 55939 |
| Minnwest Bank | 2 | 102 Gold St S, Wykoff 55990 |
| Merchants Bank, National Association | 2 | 101 W Jessie St, Rushford 55971 |
| BMO Bank National Association | 1 | 101 E Newburg Ave, Mabel 55954 |
| F & M Community Bank, National Association | 1 | 100 Saint Anthony St N, Preston 55965 |
| Rushford State Bank (Incorporated) | 1 | 219 S Mill St, Rushford 55971 |
| First State Bank Minnesota | 1 | 1030 N Broadway St, Spring Valley 55975 |
| Alerus Financial, National Association | 1 | 715 N Broadway St, Spring Valley 55975 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Fillmore County. The nearest counties with credit unions:
Credit unions in Winona County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 120 E 2Nd St, Winona 55987 |
| Altra | 526 Orrin St, Winona 55987 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Olmsted County
19 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Wings | 4287 W Circle Dr Nw, Rochester 55901 |
| Affinity Plus | 3482 55Th St Nw, Rochester 55901 |
| Blaze | 975 34Th Ave Nw, Rochester 55901 |
| Altra | 123 16Th Ave Sw Ste 500, Rochester 55902 |
| Mayo Employees | 130 23Rd Ave Sw, Rochester 55902 |
| First Alliance | 501 16Th St Se, Rochester 55904 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Fillmore County?
Fillmore 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 Fillmore 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 Fillmore County?
Options include 15 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 Fillmore County?
Fill out our short online form from anywhere in Fillmore 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 an emergency loan in Fillmore County?
Yes. When an unexpected bill comes up, Fillmore 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 apply for a loan online in Fillmore County?
Yes. You don't need to visit a branch or storefront anywhere in Fillmore 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 Fillmore County with bad credit?
Yes, many lenders in our network work with Fillmore 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 Fillmore County, MN?
You can apply at banks, credit unions and lenders in Fillmore 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.