Loans in Billings County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Billings County, ND.
The median household in Billings County earns $86,806 a year, 13% above the North Dakota median of $76,657. About 11% of residents live below the federal poverty line, and 22.1% of households rent their home. 11.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Billings County
Lenders that serve Billings County typically ask for the following:
- 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 Billings County
What Billings County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Billings 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 Billings County
Banks with branches in Billings County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank of Golva | 1 | 365 3rd Avenue, Medora 58645 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Billings County. The nearest counties with credit unions:
Credit unions in Golden Valley County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 60 2Nd St Ne, Beach 58621 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Stark County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 290 15Th St W, Dickinson 58601 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Billings County?
Billings 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 Billings County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Billings County?
Options include 1 bank 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 Billings County?
Fill out our short online form from anywhere in Billings 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 a loan in Billings 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. Billings County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Billings County, ND?
You can apply at banks, credit unions and lenders in Billings 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 apply for a loan online in Billings County?
Yes. You don't need to visit a branch or storefront anywhere in Billings 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 North Dakota. 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 Billings County with bad credit?
Yes, many lenders in our network work with Billings 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.