Loans in Hennepin County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hennepin County, MN.
The median household in Hennepin County earns $97,653 a year, 10% above the Minnesota median of $89,062. About 10% of residents live below the federal poverty line, and 37.3% of households rent their home.
What you need for a payday loan in Hennepin County
Here's what to have on hand before you start your payday loan request in Hennepin 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 Hennepin County
What Hennepin County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Hennepin 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 Hennepin County
Banks with branches in Hennepin County
258 FDIC-insured bank branches from 68 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 39 | 4141 Lyndale Ave N, Minneapolis 55412 |
| U.S. Bank National Association | 30 | 718 Washington Ave Se, Minneapolis 55414 |
| The Huntington National Bank | 27 | 435 Water St, Excelsior 55331 |
| JPMorgan Chase Bank, National Association | 21 | 606 Washington Ave Se, Minneapolis 55414 |
| Old National Bank | 12 | 7924 Highway 7, Saint Louis Park 55426 |
| BMO Bank National Association | 10 | 6625 Lyndale Ave S, Richfield 55423 |
| Bank of America, National Association | 10 | 2700 Hennepin Ave, Minneapolis 55408 |
| Associated Bank, National Association | 8 | 1801 Riverside Ave, Minneapolis 55454 |
| Bridgewater Bank | 8 | 2445 Shadywood Rd, Orono 55331 |
| CorTrust Bank National Association | 5 | 4625 County Highway 101, Minnetonka 55345 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hennepin County
75 credit-union locations from 25 credit unions.
| Credit union | Location |
|---|---|
| Transit Operations | 725 N 7Th St, Minneapolis 55411 |
| Wings | 6200 Shingle Creek Pkwy Ste 190, Brooklyn Center 55430 |
| Connexus | 5825 Xerxes Ave N, Brooklyn Center 55430 |
| Veridian | 8280 Flying Cloud Dr, Eden Prairie 55344 |
| Baxter | 2 Scimed Pl, Maple Grove 55311 |
| Royal | 4450 W 76Th St, Edina 55435 |
| Affinity Plus | 2520 University Ave Se, Minneapolis 55414 |
| Blaze | 8577 Columbine Rd, Eden Prairie 55344 |
| Trustone Financial | 14601 27Th Ave N, Plymouth 55447 |
| Magnifi Financial | 7951 Elm Creek Blvd N, Maple Grove 55369 |
| Topline Financial | 9353 Jefferson Hwy, Maple Grove 55369 |
| City & County | 5941 94Th Ave N, Brooklyn Park 55443 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Hennepin County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Hennepin County?
Hennepin 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 Hennepin 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 Hennepin County?
Options include 258 bank and 75 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 Hennepin County?
Fill out our short online form from anywhere in Hennepin 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 a loan in Hennepin 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. Hennepin County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Hennepin County, MN?
You can apply at banks, credit unions and lenders in Hennepin 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 a loan in Hennepin County with bad credit?
Yes, many lenders in our network work with Hennepin 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 an emergency loan in Hennepin County?
Yes. When an unexpected bill comes up, Hennepin 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.