Loans in Roseau County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Roseau County, MN.
The median household in Roseau County earns $74,474 a year, 16% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 20.8% of households rent their home.
What you need for a payday loan in Roseau County
Here's what to have on hand before you start your payday loan request in Roseau 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 Roseau County
What Roseau County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Roseau 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 Roseau County
Banks with branches in Roseau County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Border Bank | 3 | 133 Main St N, Greenbush 56726 |
| Security State Bank of Warroad | 2 | 502 Lake St Ne, Warroad 56763 |
| Citizens State Bank of Roseau | 1 | 118 Main Ave S, Roseau 56751 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Roseau County. The nearest counties with credit unions:
Credit unions in Pennington County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Wings | 1100 Vanrooy Dr, Thief River Falls 56701 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Red Lake County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Red Lake Co Op | 111 2Nd St Sw, Red Lake Falls 56750 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Roseau County?
Roseau 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 Roseau 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 Roseau County?
Options include 6 bank 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 Roseau County?
Fill out our short online form from anywhere in Roseau 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 apply for a loan online in Roseau County?
Yes. You don't need to visit a branch or storefront anywhere in Roseau 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 Roseau County, MN?
You can apply at banks, credit unions and lenders in Roseau 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 Roseau County with bad credit?
Yes, many lenders in our network work with Roseau 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 Roseau County?
Yes. When an unexpected bill comes up, Roseau 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.