Loans in Rice County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Rice County, MN.
The median household in Rice County earns $83,181 a year, 7% below the Minnesota median of $89,062. About 10% of residents live below the federal poverty line, and 23.7% of households rent their home.
What you need for a payday loan in Rice County
Here's what to have on hand before you start your payday loan request in Rice 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 Rice County
What Rice County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Rice 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 Rice County
Banks with branches in Rice County
17 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Frandsen Bank & Trust | 2 | 715 Stafford Rd N, Dundas 55019 |
| The State Bank of Faribault | 2 | 428 Central Ave N, Faribault 55021 |
| Merchants Bank, National Association | 2 | 329 Division St S, Northfield 55057 |
| Community Resource Bank | 2 | 1605 Heritage Dr, Northfield 55057 |
| Lake Country Community Bank | 2 | 111 Division St N, Morristown 55052 |
| Premier Bank Minnesota | 2 | 417 4th St Nw, Faribault 55021 |
| Wells Fargo Bank, National Association | 2 | 104 5th St Nw, Faribault 55021 |
| The First National Bank of Le Center | 1 | 701 Ash St Ne, Lonsdale 55046 |
| Reliance Bank | 1 | 2300 30th St Nw, Faribault 55021 |
| Heritage Bank Minnesota | 1 | 1520 Clinton Ln, Northfield 55057 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Rice County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Wings | 2333 Highway 3 S, Northfield 55057 |
| Affinity Plus | 900 4Th St Nw Ste 102, Faribault 55021 |
| Home Town | 1205 Highway 60 W, Faribault 55021 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Rice County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Rice County?
Rice 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 Rice 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 Rice County?
Options include 17 bank and 4 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 Rice County?
Fill out our short online form from anywhere in Rice 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 an emergency loan in Rice County?
Yes. When an unexpected bill comes up, Rice 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 Rice County with bad credit?
Yes, many lenders in our network work with Rice 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.
Where can I get a loan in Rice County, MN?
You can apply at banks, credit unions and lenders in Rice 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 Rice 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. Rice County residents can start any time, and it takes about 3 minutes.