Loans in Polk County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Polk County, MN.
The median household in Polk County earns $73,107 a year, 18% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 28.7% of households rent their home.
What you need for a payday loan in Polk County
Most Polk 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 Polk County
What Polk County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Polk 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 Polk County
Banks with branches in Polk County
14 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Ultima Bank Minnesota | 3 | 9 W Minnesota Ave, Winger 56592 |
| American Federal Bank | 3 | 209 Johnson Ave N, Fosston 56542 |
| Old National Bank | 1 | 201 N Broadway, Crookston 56716 |
| The First National Bank of McIntosh | 1 | 260 Cleveland Ave Sw, Mcintosh 56556 |
| The First National Bank of Bagley | 1 | 124 1st St W, Fosston 56542 |
| Red River State Bank | 1 | 114 N Mill St, Fertile 56540 |
| United Valley Bank | 1 | 1901 Sahlstrom Dr, Crookston 56716 |
| American State Bank of Grygla | 1 | 201 Vance Ave S, Erskine 56535 |
| Frandsen Bank & Trust | 1 | 1413 Central Ave Nw, East Grand Forks 56721 |
| Unity Bank | 1 | 47 County Road 113 N, Mentor 56736 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Polk County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Community | 428 Bygland Rd Se, East Grand Forks 56721 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Polk County?
Polk 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 Polk 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 Polk County?
Options include 14 bank and 2 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 Polk County?
Fill out our short online form from anywhere in Polk 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 Polk County with bad credit?
Yes, many lenders in our network work with Polk 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 a loan in Polk 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. Polk County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Polk County?
Yes. You don't need to visit a branch or storefront anywhere in Polk 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.
Where can I get a loan in Polk County, MN?
You can apply at banks, credit unions and lenders in Polk 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.