Loans in Ramsey County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ramsey County, ND.
The median household in Ramsey County earns $61,006 a year, 20% below the North Dakota median of $76,657. About 15% of residents live below the federal poverty line, and 45.5% of households rent their home. 11.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Ramsey County
Here's what to have on hand before you start your payday loan request in Ramsey 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 Ramsey County
What Ramsey County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Ramsey 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 Ramsey County
Banks with branches in Ramsey County
7 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Old National Bank | 1 | 424 5th St Ne, Devils Lake 58301 |
| First United Bank | 1 | 300 4th St Ne, Devils Lake 58301 |
| Western State Bank | 1 | 110 4th St Se, Devils Lake 58301 |
| Citizens State Bank of Lankin | 1 | 301 S Main St, Edmore 58330 |
| Horizon Financial Bank | 1 | 205 Highway 2 W, Devils Lake 58301 |
| Bravera Bank | 1 | 604 College Dr S, Devils Lake 58301 |
| Gate City Bank | 1 | 601 4th St Ne, Devils Lake 58301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ramsey County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 1117 Highway 2 E, Devils Lake 58301 |
| North Star Community | 1324 Highway 2 E, Devils Lake 58301 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Ramsey County?
Ramsey 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 Ramsey County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Ramsey County?
Options include 7 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 Ramsey County?
Fill out our short online form from anywhere in Ramsey 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 Ramsey County?
Yes. You don't need to visit a branch or storefront anywhere in Ramsey 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 Ramsey County, ND?
You can apply at banks, credit unions and lenders in Ramsey 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 Ramsey 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. Ramsey County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Ramsey County with bad credit?
Yes, many lenders in our network work with Ramsey 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.