Loans in Washington County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, MN.
The median household in Washington County earns $115,345 a year, 30% above the Minnesota median of $89,062. About 5% of residents live below the federal poverty line, and 18.7% of households rent their home.
What you need for a payday loan in Washington County
Most Washington 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 Washington County
What Washington County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
64 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Lake Elmo Bank | 9 | 11465 39th St N, Lake Elmo 55042 |
| U.S. Bank National Association | 7 | 213 Chestnut St E, Stillwater 55082 |
| Wells Fargo Bank, National Association | 5 | 208 Lake St S, Forest Lake 55025 |
| The Huntington National Bank | 5 | 7377 Currell Blvd, Woodbury 55125 |
| JPMorgan Chase Bank, National Association | 5 | 7010 Valley Creek Plz, Woodbury 55125 |
| Nicolet National Bank | 3 | 1650 Lake St S, Forest Lake 55025 |
| First State Bank and Trust | 3 | 950 Highway 95 N, Bayport 55003 |
| Security State Bank of Marine | 3 | 120 Judd St, Marine On St. Croix 55047 |
| Old National Bank | 3 | 1030 Hastings Ave, St. Paul Park 55071 |
| Bell Bank | 3 | 563 Bielenberg Dr, Woodbury 55125 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
20 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Wings | 660 Woodbury Dr, Woodbury 55125 |
| Royal | 5795 Minnesota Ave N, Stillwater 55082 |
| Affinity Plus | 9931 Hudson Blvd N, Lake Elmo 55042 |
| Blaze | 195 Radio Drive, Woodbury 55125 |
| Trustone Financial | 7860 32Nd St N, Oakdale 55128 |
| Topline Financial | 1452 Lake St S, Forest Lake 55025 |
| City & County | 8500 Hudson Blvd N, Lake Elmo 55042 |
| Ideal | 8499 Tamarack Rd, Woodbury 55125 |
| Ashland | 8711 E Point Douglas Rd S Ste 101, Cottage Grove 55016 |
| Novation | 500 Imperial Ave N, Oakdale 55128 |
| Expedition | 1605 Queens Dr Ste 101, Woodbury 55125 |
| Associated Healthcare | 6789 Upper Afton Rd, Woodbury 55125 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Washington County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington 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 Washington County?
Options include 64 bank and 20 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 Washington County?
Fill out our short online form from anywhere in Washington 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 Washington County with bad credit?
Yes, many lenders in our network work with Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Washington County, MN?
You can apply at banks, credit unions and lenders in Washington 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 apply for a loan online in Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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.