Loans in St. Louis County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Louis County, MN.
The median household in St. Louis County earns $70,069 a year, 21% below the Minnesota median of $89,062. About 13% of residents live below the federal poverty line, and 28.8% of households rent their home.
What you need for a payday loan in St. Louis County
Here's what to have on hand before you start your payday loan request in St. Louis 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 St. Louis County
What St. Louis County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in St. Louis 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 St. Louis County
Banks with branches in St. Louis County
60 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Park State Bank | 11 | 8401 Unity Dr, Mountain Iron 55768 |
| U.S. Bank National Association | 7 | 130 W Superior St, Duluth 55802 |
| Wells Fargo Bank, National Association | 7 | 104 E Chapman St, Ely 55731 |
| North Shore Bank of Commerce | 7 | 131 W Superior St, Duluth 55802 |
| Frandsen Bank & Trust | 5 | 415 Main St, Tower 55790 |
| National Bank of Commerce | 4 | 1619 Woodland Ave, Duluth 55803 |
| Western National Bank | 3 | 201 N Central Ave, Duluth 55807 |
| The First National Bank of Gilbert | 2 | 2 N Broadway Ave, Gilbert 55741 |
| Northern State Bank of Virginia | 2 | 600 Chestnut St, Virginia 55792 |
| B2 Bank National Association | 2 | 702 Seville Ave, Buhl 55713 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Louis County
45 credit-union locations from 19 credit unions.
| Credit union | Location |
|---|---|
| Wings | 601 Iron Dr, Chisholm 55719 |
| Affinity Plus | 1820 Maple Grove Rd, Duluth 55811 |
| Members Cooperative | 215 N 40Th Ave W, Duluth 55807 |
| Superior Choice | 4125 Grand Ave, Duluth 55807 |
| Centricity | 4477 Lavaque Rd, Hermantown 55811 |
| North Shore | 2104 London Rd, Duluth 55812 |
| Northwoods | 224 Highway 2 W, Floodwood 55736 |
| Hibbing Cooperative | 217 W 42Nd St, Hibbing 55746 |
| Northridge Community | 283 Kennedy Memorial Dr, Hoyt Lakes 55750 |
| Harbor Pointe | 11 W 2Nd St, Duluth 55802 |
| Northern Communities | 3311 W Arrowhead Rd, Duluth 55811 |
| North Star | 24 S River St, Cook 55723 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Louis County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in St. Louis County?
St. Louis 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 St. Louis 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 St. Louis County?
Options include 60 bank and 45 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 St. Louis County?
Fill out our short online form from anywhere in St. Louis 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 a loan in St. Louis 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. St. Louis County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in St. Louis County?
Yes. When an unexpected bill comes up, St. Louis 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 St. Louis County?
Yes. You don't need to visit a branch or storefront anywhere in St. Louis 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 St. Louis County, MN?
You can apply at banks, credit unions and lenders in St. Louis 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.