Loans in Stutsman County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stutsman County, ND.
The median household in Stutsman County earns $61,856 a year, 19% below the North Dakota median of $76,657. About 13% of residents live below the federal poverty line, and 36.9% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Stutsman County
Most Stutsman County applicants can finish in one sitting if they have these ready:
- 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 Stutsman County
What Stutsman County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Stutsman 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 Stutsman County
Banks with branches in Stutsman County
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Dakota Heritage Bank | 2 | 101 Florence St N, Streeter 58483 |
| Wells Fargo Bank, National Association | 1 | 208 2nd Ave Sw, Jamestown 58401 |
| Unison Bank | 1 | 401 1st Ave S, Jamestown 58401 |
| U.S. Bank National Association | 1 | 123 1st Ave S, Jamestown 58401 |
| Bank Forward | 1 | 400 2nd Ave Sw, Jamestown 58401 |
| Gate City Bank | 1 | 309 2nd Ave Sw, Jamestown 58401 |
| Dacotah Bank | 1 | 2510 8th Ave Sw, Jamestown 58401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stutsman County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 310 10Th St Se, Jamestown 58401 |
| Hometown | 301 5Th Ave Se, Medina 58467 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Stutsman County
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Stutsman County?
Stutsman 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 Stutsman County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Stutsman County?
Options include 8 bank and 4 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 Stutsman County?
Fill out our short online form from anywhere in Stutsman 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 Stutsman County with bad credit?
Yes, many lenders in our network work with Stutsman 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 get an emergency loan in Stutsman County?
Yes. When an unexpected bill comes up, Stutsman 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 Stutsman 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. Stutsman County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Stutsman County?
Yes. You don't need to visit a branch or storefront anywhere in Stutsman 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.