Loans in Golden Valley County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Golden Valley County, ND.
The median household in Golden Valley County earns $68,021 a year, 11% below the North Dakota median of $76,657. About 20% of residents live below the federal poverty line, and 20.5% of households rent their home.
What you need for a payday loan in Golden Valley County
Lenders that serve Golden Valley 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 Golden Valley County
What Golden Valley County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Golden Valley 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 Golden Valley County
Banks with branches in Golden Valley County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank of Golva | 2 | 410 Terrell Ave, Golva 58632 |
| BMO Bank National Association | 1 | 115 S Central Ave, Beach 58621 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Golden Valley County?
Golden Valley 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 Golden Valley County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Golden Valley County?
Options include 3 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 Golden Valley County?
Fill out our short online form from anywhere in Golden Valley 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 Golden Valley County?
Yes. You don't need to visit a branch or storefront anywhere in Golden Valley 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 Golden Valley County, ND?
You can apply at banks, credit unions and lenders in Golden Valley 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 Golden Valley 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. Golden Valley County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Golden Valley County with bad credit?
Yes, many lenders in our network work with Golden Valley 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.