Loans in Cass County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cass County, ND.
The median household in Cass County earns $75,555 a year, about the same as the North Dakota median of $76,657. About 11% of residents live below the federal poverty line, and 48.0% of households rent their home.
What you need for a payday loan in Cass County
Here's what to have on hand before you start your payday loan request in Cass 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 Cass County
What Cass County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Cass 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 Cass County
Banks with branches in Cass County
77 FDIC-insured bank branches from 28 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Gate City Bank | 13 | 500 2nd Ave N, Fargo 58102 |
| Bell Bank | 9 | 520 Main Ave, Fargo 58103 |
| U.S. Bank National Association | 6 | 401 Broadway North, Fargo 58102 |
| Wells Fargo Bank, National Association | 4 | 406 Main Ave, Fargo 58103 |
| BankNorth | 4 | 340 Main St, Arthur 58006 |
| Alerus Financial, National Association | 3 | 15 Broadway N, Fargo 58102 |
| First International Bank & Trust | 3 | 3001 25th St S, Fargo 58103 |
| Bravera Bank | 3 | 3000 25th St S, Fargo 58103 |
| First Western Bank & Trust | 3 | 4040 42nd St S, Fargo 58104 |
| Starion Bank | 3 | 2754 Brandt Dr S, Fargo 58104 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cass County
27 credit-union locations from 12 credit unions.
| Credit union | Location |
|---|---|
| Fargo Va | 2101 Elm St N, Fargo 58102 |
| Magnifi Financial | 5161 Charles Way S, Fargo 58104 |
| Empeople | 1441 44Th St N, Fargo 58102 |
| First Community | 4521 19Th Ave S, Fargo 58103 |
| Capital | 4900 13Th Ave S, Fargo 58103 |
| Levo | 2975 Uptown Way, Fargo 58104 |
| Town And Country | 815 25Th St S, Fargo 58103 |
| United Savings | 1001 1St Ave N, Fargo 58102 |
| Fargo Public Schools | 1462 Broadway N, Fargo 58102 |
| Postal Family | 2730 12Th Ave S, Fargo 58103 |
| Cce | 316 10Th St N, Fargo 58102 |
| F.F.E. | 657 2Nd Ave N Rm 450, Fargo 58102 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cass County
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Cass County?
Cass 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 Cass County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Cass County?
Options include 77 bank and 27 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 Cass County?
Fill out our short online form from anywhere in Cass 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 apply for a loan online in Cass County?
Yes. You don't need to visit a branch or storefront anywhere in Cass 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.
Where can I get a loan in Cass County, ND?
You can apply at banks, credit unions and lenders in Cass 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 Cass County with bad credit?
Yes, many lenders in our network work with Cass 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 Cass 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. Cass County residents can start any time, and it takes about 3 minutes.