Loans in Scott County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, MN.
The median household in Scott County earns $119,314 a year, 34% above the Minnesota median of $89,062. About 5% of residents live below the federal poverty line, and 16.2% of households rent their home.
What you need for a payday loan in Scott County
Most Scott 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 Scott County
What Scott County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
29 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | 217 Main St W, New Prague 56071 |
| Old National Bank | 3 | 14141 Glendale Rd, Savage 55378 |
| U.S. Bank National Association | 3 | 111 Central Ave N, New Prague 56071 |
| New Market Bank | 2 | 101 Old Town Rd, Elko New Market 55054 |
| Associated Bank, National Association | 2 | 7533 Egan Dr, Savage 55378 |
| The Huntington National Bank | 2 | 1198 Vierling Dr E, Shakopee 55379 |
| HomeTown Bank | 2 | 101 Creek Ln S, Jordan 55352 |
| JPMorgan Chase Bank, National Association | 2 | 7450 Egan Dr, Savage 55378 |
| First National Bank Minnesota | 1 | 201 W Main St, Belle Plaine 56011 |
| Frandsen Bank & Trust | 1 | 200 Creek Ln N, Jordan 55352 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scott County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Wings | 14411 Highway 13 S, Savage 55378 |
| Affinity Plus | 1714 Crossings Blvd, Shakopee 55379 |
| Trustone Financial | 4290 Dean Lakes Blvd, Shakopee 55379 |
| South Metro | 2573 Credit Union Dr, Prior Lake 55372 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Scott County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Scott County?
Scott 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 Scott 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 Scott County?
Options include 29 bank and 5 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 Scott County?
Fill out our short online form from anywhere in Scott 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 Scott County?
Yes. When an unexpected bill comes up, Scott 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.
Where can I get a loan in Scott County, MN?
You can apply at banks, credit unions and lenders in Scott 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 Scott County with bad credit?
Yes, many lenders in our network work with Scott 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 Scott 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. Scott County residents can start any time, and it takes about 3 minutes.