Loans in Richland County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richland County, ND.
The median household in Richland County earns $75,432 a year, about the same as the North Dakota median of $76,657. About 10% of residents live below the federal poverty line, and 31.9% of households rent their home.
What you need for a payday loan in Richland County
Here's what to have on hand before you start your payday loan request in Richland 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 Richland County
What Richland County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Richland 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 Richland County
Banks with branches in Richland County
11 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Lincoln State Bank | 3 | 302 Main Ave S, Hankinson 58041 |
| Peoples State Bank, Fairmount, N. D. | 2 | 201 Main Ave, Fairmount 58030 |
| BMO Bank National Association | 1 | 50 Wiley Ave S, Lidgerwood 58053 |
| Wells Fargo Bank, National Association | 1 | 119 6th St N, Wahpeton 58075 |
| Old National Bank | 1 | 1618 Commerce St, Wahpeton 58075 |
| Gate City Bank | 1 | 802 Dakota Ave, Wahpeton 58075 |
| American Federal Bank | 1 | 615 2nd Ave N, Wahpeton 58075 |
| Bell Bank | 1 | 717 2nd Ave N, Wahpeton 58075 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richland County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Community | 334 Main Ave S, Hankinson 58041 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Richland County?
Richland 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 Richland County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Richland County?
Options include 11 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 Richland County?
Fill out our short online form from anywhere in Richland 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 Richland County?
Yes. You don't need to visit a branch or storefront anywhere in Richland 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 Richland County with bad credit?
Yes, many lenders in our network work with Richland 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.
Where can I get a loan in Richland County, ND?
You can apply at banks, credit unions and lenders in Richland 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 Richland County?
Yes. When an unexpected bill comes up, Richland 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.