Loans in Ramsey County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ramsey County, MN.
The median household in Ramsey County earns $81,568 a year, 8% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 39.4% of households rent their home.
What you need for a payday loan in Ramsey County
Here's what to have on hand before you start your payday loan request in Ramsey 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 Ramsey County
What Ramsey County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Ramsey 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 Ramsey County
Banks with branches in Ramsey County
93 FDIC-insured bank branches from 33 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 17 | 4700 Clark Ave, White Bear Lake 55110 |
| Wells Fargo Bank, National Association | 11 | 430 Wabasha St N, Saint Paul 55101 |
| The Huntington National Bank | 9 | 3899 Silver Lake Rd Ne, Minneapolis 55421 |
| Old National Bank | 7 | 1570 Concordia Ave, Saint Paul 55104 |
| Bank of America, National Association | 5 | 2044 Ford Pkwy, Saint Paul 55116 |
| JPMorgan Chase Bank, National Association | 5 | 1039 Grand Ave, Saint Paul 55105 |
| Associated Bank, National Association | 4 | 202 Snelling Ave N, Saint Paul 55104 |
| BankCherokee | 3 | 607 Smith Ave S, Saint Paul 55107 |
| Premier Bank | 3 | 2866 White Bear Ave N, Maplewood 55109 |
| Highland Bank | 2 | 2100 Ford Pkwy, Saint Paul 55116 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ramsey County
42 credit-union locations from 26 credit unions.
| Credit union | Location |
|---|---|
| Wings | 1804 7Th St W, Saint Paul 55116 |
| Baxter | 4201 Lexington Ave N, Saint Paul 55126 |
| Royal | 2640 Rice St, Saint Paul 55113 |
| Affinity Plus | 175 W Lafayette Frontage Rd, Saint Paul 55107 |
| Genisys | 2501 Fairview Ave N, Roseville 55113 |
| Blaze | 1880 Perimeter Rd, Roseville 55113 |
| Trustone Financial | 2150 Lexington Ave N, Roseville 55113 |
| Notre Dame | 3499 Lexington Ave N, Saint Paul 55126 |
| Topline Financial | 976 Lexington Pkwy N, Saint Paul 55103 |
| City & County | 144 11Th St E, Saint Paul 55101 |
| Ideal | 2401 Mcknight Rd N, North Saint Paul 55109 |
| Minnco | 3625 Talmage Cir, Vadnais Heights 55110 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ramsey County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Ramsey County?
Ramsey 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 Ramsey 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 Ramsey County?
Options include 93 bank and 42 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 Ramsey County?
Fill out our short online form from anywhere in Ramsey 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.
Where can I get a loan in Ramsey County, MN?
You can apply at banks, credit unions and lenders in Ramsey 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 an emergency loan in Ramsey County?
Yes. When an unexpected bill comes up, Ramsey 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 apply for a loan online in Ramsey County?
Yes. You don't need to visit a branch or storefront anywhere in Ramsey 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 a loan in Ramsey 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. Ramsey County residents can start any time, and it takes about 3 minutes.