Loans in Sheridan County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sheridan County, ND.
The median household in Sheridan County earns $62,639 a year, 18% below the North Dakota median of $76,657. About 10% of residents live below the federal poverty line, and 16.0% of households rent their home.
What you need for a payday loan in Sheridan County
Lenders that serve Sheridan 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 Sheridan County
What Sheridan County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Sheridan 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 Sheridan County
Banks with branches in Sheridan 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 |
|---|---|---|
| Bravera Bank | 1 | 217 Main Street, Mcclusky 58463 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Sheridan County. The nearest counties with credit unions:
Credit unions in Wells County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Community | 86 Main Ave S, Fessenden 58438 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Burleigh County
10 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| First Community | 3201 Weiss Ave, Bismarck 58503 |
| Capital | 204 W Thayer Ave, Bismarck 58501 |
| Railway | 3005 Rock Island Pl, Bismarck 58504 |
| Vue Community | 818 E Main Ave, Bismarck 58501 |
| Hometown | 109 Mcdougall Dr Ste 5, Lincoln 58504 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Sheridan County?
Sheridan 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 Sheridan County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Sheridan 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 Sheridan County?
Fill out our short online form from anywhere in Sheridan 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.
Where can I get a loan in Sheridan County, ND?
You can apply at banks, credit unions and lenders in Sheridan 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 apply for a loan online in Sheridan County?
Yes. You don't need to visit a branch or storefront anywhere in Sheridan 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 an emergency loan in Sheridan County?
Yes. When an unexpected bill comes up, Sheridan 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 Sheridan County with bad credit?
Yes, many lenders in our network work with Sheridan 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.