Loans in Grant County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Grant County, MN.
The median household in Grant County earns $73,917 a year, 17% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 20.8% of households rent their home.
What you need for a payday loan in Grant County
Most Grant County applicants can finish in one sitting if they have these ready:
- 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 Grant County
What Grant County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Grant 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 Grant County
Banks with branches in Grant County
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Eagle Bank | 2 | 18 Central Ave N, Elbow Lake 56531 |
| Star Bank | 2 | 21 Central Ave N, Elbow Lake 56531 |
| BMO Bank National Association | 1 | 14 Central Ave S, Elbow Lake 56531 |
| Kensington Bank | 1 | 103 5th Street East, Herman 56248 |
| VIKING BANK, NATIONAL ASSOCIATION | 1 | 110 Main St, Ashby 56309 |
| Farmers State Bank of Hoffman | 1 | 103 W Main Ave, Hoffman 56339 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Grant County. The nearest counties with credit unions:
Credit unions in Douglas County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 418 3Rd Ave E Ste 108, Alexandria 56308 |
| Mid Minnesota | 405 50Th Ave W, Alexandria 56308 |
| Alexandria Schools Employees | 2303 E Golf Course Rd Ne, Alexandria 56308 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Otter Tail County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 410 W Lincoln Ave, Fergus Falls 56537 |
| Magnifi Financial | 101 Main Ave N, New York Mills 56567 |
| Mid Minnesota | 1820 W Lincoln Ave, Fergus Falls 56537 |
| Greater Community | 413 W Stanton Ave, Fergus Falls 56537 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Grant County?
Grant 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 Grant 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 Grant County?
Options include 8 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 Grant County?
Fill out our short online form from anywhere in Grant 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 Grant County?
Yes. You don't need to visit a branch or storefront anywhere in Grant 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 Grant County?
Yes. When an unexpected bill comes up, Grant 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 Grant 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. Grant County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Grant County, MN?
You can apply at banks, credit unions and lenders in Grant 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.