Loans in Pembina County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pembina County, ND.
The median household in Pembina County earns $68,393 a year, 11% below the North Dakota median of $76,657. About 9% of residents live below the federal poverty line, and 25.4% of households rent their home.
What you need for a payday loan in Pembina County
Lenders that serve Pembina 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 Pembina County
What Pembina County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Pembina 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 Pembina County
Banks with branches in Pembina County
10 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| KodaBank | 6 | 104 S Main St, Drayton 58225 |
| First United Bank | 2 | 200 Main St W, Cavalier 58220 |
| Choice Financial Group | 1 | 407 12th St, Walhalla 58282 |
| United Valley Bank | 1 | 211 Division Ave S, Cavalier 58220 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pembina County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| North Star Community | 202 Division Ave S, Cavalier 58220 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Pembina County?
Pembina 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 Pembina County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Pembina County?
Options include 10 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 Pembina County?
Fill out our short online form from anywhere in Pembina 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 Pembina 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. Pembina County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Pembina County with bad credit?
Yes, many lenders in our network work with Pembina 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 apply for a loan online in Pembina County?
Yes. You don't need to visit a branch or storefront anywhere in Pembina 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 Pembina County, ND?
You can apply at banks, credit unions and lenders in Pembina 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.