Loans in Barnes County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Barnes County, ND.
The median household in Barnes County earns $68,038 a year, 11% below the North Dakota median of $76,657. About 12% of residents live below the federal poverty line, and 29.2% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Barnes County
Here's what to have on hand before you start your payday loan request in Barnes 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 Barnes County
What Barnes County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Barnes County
Payday Loans Legal
Payday loans (called deferred presentment services) are legal in North Dakota when made by a lender licensed by the Department of Financial Institutions under N.D.C.C.
Personal Loans
36% APR cap (including origination charges) for licensed lenders; loans under $2,000 limited to 36 months with equal payments.
Title Loans Limited
North Dakota has no separate title-loan law.
Banks and credit unions in Barnes County
Banks with branches in Barnes County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank Forward | 2 | 122 3rd Ave, Wimbledon 58492 |
| Dacotah Bank | 1 | 240 3rd St Nw, Valley City 58072 |
| Hometown Community Bank | 1 | 410 3rd St, Fingal 58031 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Barnes County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Community | 115 5Th Ave Ne, Valley City 58072 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Barnes County?
Barnes County follows North Dakota law. Payday loans (called deferred presentment services) are legal in North Dakota when made by a lender licensed by the Department of Financial Institutions under N.D.C.C.
Are title loans legal in Barnes County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Barnes County?
Options include 4 bank and 1 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 Barnes County?
Fill out our short online form from anywhere in Barnes County. We share it with lenders in our network that serve North Dakota; 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 Barnes County?
Yes. When an unexpected bill comes up, Barnes 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 Barnes 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. Barnes County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Barnes County, ND?
You can apply at banks, credit unions and lenders in Barnes 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 North Dakota residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Barnes County with bad credit?
Yes, many lenders in our network work with Barnes 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.