Loans in Walsh County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Walsh County, ND.
The median household in Walsh County earns $71,944 a year, 6% below the North Dakota median of $76,657. About 11% of residents live below the federal poverty line, and 24.0% of households rent their home. 11.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Walsh County
Most Walsh 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 Walsh County
What Walsh County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Walsh 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 Walsh County
Banks with branches in Walsh County
12 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First United Bank | 4 | 300 Main St, Adams 58210 |
| Citizens State Bank of Lankin | 3 | 401 Main Street, Lankin 58250 |
| Old National Bank | 2 | 910 Hill Ave, Grafton 58237 |
| KodaBank | 1 | 521 2nd St, Minto 58261 |
| Gate City Bank | 1 | 201 Briggs Ave S, Park River 58270 |
| Choice Financial Group | 1 | 645 Hill Ave, Grafton 58237 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Walsh County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| North Star Community | 1225 Hill Ave, Grafton 58237 |
Source: NCUA credit union branch data, June 30, 2026.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Walsh County?
Walsh 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 Walsh County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Walsh County?
Options include 12 bank and 1 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 Walsh County?
Fill out our short online form from anywhere in Walsh 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 Walsh 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. Walsh County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Walsh County?
Yes. You don't need to visit a branch or storefront anywhere in Walsh 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.
Where can I get a loan in Walsh County, ND?
You can apply at banks, credit unions and lenders in Walsh 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 Walsh County with bad credit?
Yes, many lenders in our network work with Walsh 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.