Loans in Winona County, MN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Winona County, MN.
The median household in Winona County earns $70,744 a year, 21% below the Minnesota median of $89,062. About 15% of residents live below the federal poverty line, and 30.5% of households rent their home.
What you need for a payday loan in Winona County
Most Winona 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 Winona County
What Winona County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Winona 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 Winona County
Banks with branches in Winona County
15 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Merchants Bank, National Association | 4 | 100 E 3rd St, Winona 55987 |
| WNB FINANCIAL, N.A. | 3 | 204 Main St, Winona 55987 |
| Old National Bank | 2 | 748 Whitewater Ave, St. Charles 55972 |
| Peoples State Bank of Plainview | 1 | 411 N Main St, Altura 55910 |
| Minnwest Bank | 1 | 225 E Main St, Lewiston 55952 |
| Wells Fargo Bank, National Association | 1 | 125 Main St, Winona 55987 |
| Minnesota First Credit and Savings, Incorporated | 1 | 1858 North Service Drive, Winona 55987 |
| Alerus Financial, National Association | 1 | 175 Center St, Winona 55987 |
| Oakwood Bank | 1 | 140 Main St, Rollingstone 55969 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Winona County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Affinity Plus | 120 E 2Nd St, Winona 55987 |
| Altra | 526 Orrin St, Winona 55987 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Winona County
All Minnesota counties and cities
Frequently asked questions
Are payday loans legal in Winona County?
Winona 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 Winona 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 Winona County?
Options include 15 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 Winona County?
Fill out our short online form from anywhere in Winona 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 Winona County?
Yes. When an unexpected bill comes up, Winona 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 Winona County, MN?
You can apply at banks, credit unions and lenders in Winona 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 Winona 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. Winona County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Winona County with bad credit?
Yes, many lenders in our network work with Winona 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.