Loans in Sherburne County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sherburne County, MN.
The median household in Sherburne County earns $105,466 a year, 18% above the Minnesota median of $89,062. About 5% of residents live below the federal poverty line, and 16.8% of households rent their home.
What you need for a payday loan in Sherburne County
Lenders that serve Sherburne County typically ask for the following:
- 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 Sherburne County
What Sherburne County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
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 Sherburne 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 Sherburne County
Banks with branches in Sherburne County
18 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Elk River | 3 | 630 Main St Nw, Elk River 55330 |
| First Bank Elk River | 2 | 812 Main St Nw, Elk River 55330 |
| Sherburne Bank | 2 | 12500 Sherburne Avenue, Becker 55308 |
| Woodlands National Bank | 1 | 26040 Main St, Zimmerman 55398 |
| Wells Fargo Bank, National Association | 1 | 19290 Freeport St Nw, Elk River 55330 |
| U.S. Bank National Association | 1 | 19695 Holt St Nw, Elk River 55330 |
| The Huntington National Bank | 1 | 19270 Freeport St Nw, Elk River 55330 |
| National Bank of Commerce | 1 | 240 Jefferson Blvd, Big Lake 55309 |
| Nicolet National Bank | 1 | 18233 Carson Ct Nw, Elk River 55330 |
| Old National Bank | 1 | 19943 County Road 43 Nw, Big Lake 55309 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sherburne County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Blaze | 17035 Yale St Nw, Elk River 55330 |
| Credit Union 1 | 18146 198Th Ave Nw, Big Lake 55309 |
| Minnco | 613 Rose Dr, Big Lake 55309 |
| St. Cloud Financial | 14267 Bank St, Becker 55308 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Sherburne County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Sherburne County?
Sherburne 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 Sherburne 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 Sherburne County?
Options include 18 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 Sherburne County?
Fill out our short online form from anywhere in Sherburne 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 Sherburne County?
Yes. When an unexpected bill comes up, Sherburne 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 Sherburne 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. Sherburne County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Sherburne County with bad credit?
Yes, many lenders in our network work with Sherburne 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 apply for a loan online in Sherburne County?
Yes. You don't need to visit a branch or storefront anywhere in Sherburne 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.