Loans in Stark County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stark County, ND.
The median household in Stark County earns $84,449 a year, 10% above the North Dakota median of $76,657. About 12% of residents live below the federal poverty line, and 33.2% of households rent their home.
What you need for a payday loan in Stark County
Here's what to have on hand before you start your payday loan request in Stark 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 Stark County
What Stark County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Stark 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 Stark County
Banks with branches in Stark County
17 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Dakota Community Bank & Trust, National Association | 4 | 2284 3rd St W, Dickinson 58601 |
| Choice Financial Group | 2 | 227 Main St N, Belfield 58622 |
| Bravera Bank | 2 | 220 1st Ave W, Dickinson 58601 |
| Gate City Bank | 2 | 204 Sims St, Dickinson 58601 |
| BMO Bank National Association | 1 | 150 W Villard St, Dickinson 58601 |
| Kirkwood Bank & Trust Co. | 1 | 221 1st Ave W, Dickinson 58601 |
| U.S. Bank National Association | 1 | 240 2nd St W, Dickinson 58601 |
| Dacotah Bank | 1 | 410 W Villard St, Dickinson 58601 |
| Bank of England | 1 | 288 1st St W, Dickinson 58601 |
| Wells Fargo Bank, National Association | 1 | 3071 West Ridge Dr, Dickinson 58601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stark County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 290 15Th St W, Dickinson 58601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Stark County
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Stark County?
Stark 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 Stark County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Stark County?
Options include 17 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 Stark County?
Fill out our short online form from anywhere in Stark 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 Stark County, ND?
You can apply at banks, credit unions and lenders in Stark 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 Stark 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. Stark County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Stark County?
Yes. When an unexpected bill comes up, Stark 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 Stark County with bad credit?
Yes, many lenders in our network work with Stark 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.