Loans in Nelson County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nelson County, ND.
The median household in Nelson County earns $67,193 a year, 12% below the North Dakota median of $76,657. About 7% of residents live below the federal poverty line, and 24.9% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Nelson County
Lenders that serve Nelson 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 Nelson County
What Nelson County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Nelson 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 Nelson County
Banks with branches in Nelson County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First United Bank | 3 | 105 Main St N, Michigan 58259 |
| Farmers & Merchants Bank of North Dakota | 2 | 101 Main St N, Tolna 58380 |
| State Bank of Lakota | 1 | 125 Main St N, Lakota 58344 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Nelson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 200 Main St N, Lakota 58344 |
| North Star Community | 200 Main St N, Tolna 58380 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Nelson County?
Nelson 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 Nelson County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Nelson 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 Nelson County?
Fill out our short online form from anywhere in Nelson 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 Nelson 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. Nelson County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Nelson County?
Yes. When an unexpected bill comes up, Nelson 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.
Where can I get a loan in Nelson County, ND?
You can apply at banks, credit unions and lenders in Nelson 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 Nelson County?
Yes. You don't need to visit a branch or storefront anywhere in Nelson 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.