Loans in McHenry County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for McHenry County, ND.
The median household in McHenry County earns $80,733 a year, 5% above the North Dakota median of $76,657. About 10% of residents live below the federal poverty line, and 18.6% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in McHenry County
Lenders that serve McHenry 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 McHenry County
What McHenry County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in McHenry 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 McHenry County
Banks with branches in McHenry County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Merchants Bank | 3 | 202 Main St S, Towner 58788 |
| Peoples State Bank of Velva | 1 | 101 Main St N, Velva 58790 |
| Bravera Bank | 1 | 120 Main St, Drake 58736 |
| First State Bank of Harvey | 1 | 604 Main St, Anamoose 58710 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in McHenry County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| North Star Community | 310 Main St E, Butte 58723 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in McHenry County?
McHenry 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 McHenry County?
North Dakota has no separate title-loan law.
Where can I get a small loan in McHenry County?
Options include 6 bank and 2 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 McHenry County?
Fill out our short online form from anywhere in McHenry 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.
Where can I get a loan in McHenry County, ND?
You can apply at banks, credit unions and lenders in McHenry 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 McHenry 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. McHenry County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in McHenry County?
Yes. When an unexpected bill comes up, McHenry 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 McHenry County with bad credit?
Yes, many lenders in our network work with McHenry 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.