Loans in Oliver County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oliver County, ND.
The median household in Oliver County earns $77,240 a year, about the same as the North Dakota median of $76,657. About 5% of residents live below the federal poverty line, and 4.8% of households rent their home.
What you need for a payday loan in Oliver County
Here's what to have on hand before you start your payday loan request in Oliver 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 Oliver County
What Oliver County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Oliver 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 Oliver County
Banks with branches in Oliver 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 |
|---|---|---|
| Security First Bank of North Dakota | 1 | 100 W Main St, Center 58530 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Oliver County. The nearest counties with credit unions:
Credit unions in Mercer County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Capital | 145 Main Rd E, Hazen 58545 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Morton County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| First Community | 4614 Memorial Hwy, Mandan 58554 |
| Capital | 600 E Main St, Mandan 58554 |
| Western Cooperative | 701 Main St, Hebron 58638 |
| Railway | 1006 E Main St, Mandan 58554 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Oliver County?
Oliver 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 Oliver County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Oliver 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 Oliver County?
Fill out our short online form from anywhere in Oliver 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 Oliver County?
Yes. You don't need to visit a branch or storefront anywhere in Oliver 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 Oliver County, ND?
You can apply at banks, credit unions and lenders in Oliver 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 an emergency loan in Oliver County?
Yes. When an unexpected bill comes up, Oliver 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 Oliver County with bad credit?
Yes, many lenders in our network work with Oliver 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.