Loans in Todd County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Todd County, MN.
The median household in Todd County earns $67,662 a year, 24% below the Minnesota median of $89,062. About 12% of residents live below the federal poverty line, and 17.0% of households rent their home. 15.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Todd County
Here's what to have on hand before you start your payday loan request in Todd 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 Todd County
What Todd County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Todd 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 Todd County
Banks with branches in Todd County
10 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| American Heritage National Bank | 2 | 24 2nd St S, Long Prairie 56347 |
| Unity Bank | 2 | 602 4th St Ne, Staples 56479 |
| Star Bank | 2 | 135 Main St W, Eagle Bend 56446 |
| Mid-Central National Bank | 2 | 610 Lake St S, Long Prairie 56347 |
| Minnesota National Bank | 1 | 706 Lake St S, Long Prairie 56347 |
| First International Bank & Trust | 1 | 111 4th St Ne, Staples 56479 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Todd County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Magnifi Financial | 701 Lake St S, Long Prairie 56347 |
| Mid Minnesota | 1220 4Th St Ne, Staples 56479 |
Source: NCUA credit union branch data, June 30, 2026.
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Todd County?
Todd 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 Todd 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 Todd County?
Options include 10 bank and 3 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 Todd County?
Fill out our short online form from anywhere in Todd 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 Todd County?
Yes. You don't need to visit a branch or storefront anywhere in Todd 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.
Can I get a loan in Todd County with bad credit?
Yes, many lenders in our network work with Todd 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 Todd County?
Yes. When an unexpected bill comes up, Todd 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 Todd County, MN?
You can apply at banks, credit unions and lenders in Todd 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.