Loans in Ransom County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ransom County, ND.
The median household in Ransom County earns $75,736 a year, about the same as the North Dakota median of $76,657. About 10% of residents live below the federal poverty line, and 25.3% 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 Ransom County
Here's what to have on hand before you start your payday loan request in Ransom 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 Ransom County
What Ransom County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Ransom 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 Ransom County
Banks with branches in Ransom County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BankNorth | 2 | 1002 Main St, Lisbon 58054 |
| Old National Bank | 1 | 622 Main St, Lisbon 58054 |
| Stock Growers Bank | 1 | 305 Main St, Lisbon 58054 |
| American Bank & Trust | 1 | 902 Main St., Lisbon 58054 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ransom County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Dakota Plains | 201 4Th Ave Ste 4, Enderlin 58027 |
| Lisbon Farmers Union | 18 5Th Ave W, Lisbon 58054 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Ransom County?
Ransom 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 Ransom County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Ransom County?
Options include 5 bank and 3 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 Ransom County?
Fill out our short online form from anywhere in Ransom 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 Ransom County with bad credit?
Yes, many lenders in our network work with Ransom 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 Ransom County?
Yes. You don't need to visit a branch or storefront anywhere in Ransom 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.
Can I get a loan in Ransom 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. Ransom County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Ransom County, ND?
You can apply at banks, credit unions and lenders in Ransom 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.