Loans in Houston County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Houston County, MN.
The median household in Houston County earns $79,825 a year, 10% below the Minnesota median of $89,062. About 7% of residents live below the federal poverty line, and 16.6% of households rent their home.
What you need for a payday loan in Houston County
Here's what to have on hand before you start your payday loan request in Houston 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 Houston County
What Houston County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Houston 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 Houston County
Banks with branches in Houston County
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Merchants Bank, National Association | 3 | 115 W Washington St, Caledonia 55921 |
| ESB Bank | 3 | 115 N Highway 44/76, Caledonia 55921 |
| BMO Bank National Association | 1 | 124 E Grove St, Caledonia 55921 |
| Alerus Financial, National Association | 1 | 208 S Walnut St, La Crescent 55947 |
| Rushford State Bank (Incorporated) | 1 | 108 E Cedar St, Houston 55943 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Houston County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Altra | 205 N Chestnut St, La Crescent 55947 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Houston County?
Houston 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 Houston 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 Houston County?
Options include 9 bank and 1 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 Houston County?
Fill out our short online form from anywhere in Houston 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 Houston County with bad credit?
Yes, many lenders in our network work with Houston 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 Houston County?
Yes. When an unexpected bill comes up, Houston 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.
Where can I get a loan in Houston County, MN?
You can apply at banks, credit unions and lenders in Houston 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 apply for a loan online in Houston County?
Yes. You don't need to visit a branch or storefront anywhere in Houston 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.