Loans in Itasca County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Itasca County, MN.
The median household in Itasca County earns $68,603 a year, 23% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 17.0% of households rent their home.
What you need for a payday loan in Itasca County
Lenders that serve Itasca County typically ask for the following:
- 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 Itasca County
What Itasca County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Itasca 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 Itasca County
Banks with branches in Itasca County
16 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Park State Bank | 3 | 117 Central Ave, Nashwauk 55769 |
| Woodland Bank | 3 | 217 Main Ave E, Deer River 56636 |
| The First National Bank of Coleraine | 2 | 600 Powell Ave, Coleraine 55722 |
| Northview Bank | 2 | 40 4th St Se, Deer River 56636 |
| Grand Rapids State Bank | 2 | 523 Nw 1st Ave, Grand Rapids 55744 |
| Wells Fargo Bank, National Association | 1 | 220 Nw 1st Ave, Grand Rapids 55744 |
| First State Bank of Bigfork | 1 | 400 Main Avenue, Bigfork 56628 |
| U.S. Bank National Association | 1 | 1 Nw 5th St, Grand Rapids 55744 |
| Deerwood Bank | 1 | 2950 S Highway 169, Grand Rapids 55744 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Itasca County
6 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 2120 Se 2Nd Ave, Grand Rapids 55744 |
| Blaze | 301 N 1St St, Keewatin 55753 |
| Members Cooperative | 18 Nw 4Th St, Grand Rapids 55744 |
| Superior Choice | 1220 S Pokegama Ave, Grand Rapids 55744 |
| North Star | 401 E Platt Ave, Nashwauk 55769 |
| Deer River Cooperative | 51 2Nd St Se, Deer River 56636 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Itasca County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Itasca County?
Itasca 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 Itasca 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 Itasca County?
Options include 16 bank and 6 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 Itasca County?
Fill out our short online form from anywhere in Itasca 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 Itasca 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. Itasca County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Itasca County?
Yes. When an unexpected bill comes up, Itasca 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 Itasca County with bad credit?
Yes, many lenders in our network work with Itasca 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 apply for a loan online in Itasca County?
Yes. You don't need to visit a branch or storefront anywhere in Itasca 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.