Loans in Ward County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ward County, ND.
The median household in Ward County earns $78,238 a year, about the same as the North Dakota median of $76,657. About 9% of residents live below the federal poverty line, and 39.2% of households rent their home.
What you need for a payday loan in Ward County
Most Ward 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 Ward County
What Ward County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
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 Ward 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 Ward County
Banks with branches in Ward County
20 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| State Bank & Trust of Kenmare | 3 | 4 2nd St Nw, Kenmare 58746 |
| First Western Bank & Trust | 3 | 900 S Broadway, Minot 58701 |
| First International Bank & Trust | 3 | 1600 S Broadway, Minot 58701 |
| Bravera Bank | 2 | 900 Johnson St, Burlington 58722 |
| Old National Bank | 2 | 1615 36th Ave Sw, Minot 58701 |
| Gate City Bank | 2 | 1017 S Broadway, Minot 58701 |
| Wells Fargo Bank, National Association | 1 | 3106 16th St Sw, Minot 58701 |
| U.S. Bank National Association | 1 | 1925 S Broadway, Minot 58701 |
| Dacotah Bank | 1 | 1121 S Broadway, Minot 58701 |
| Peoples State Bank of Velva | 1 | 37th Street, Minot 58701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ward County
14 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Credit Union 1 | 2401 N Broadway, Minot 58703 |
| Town And Country | 615 S Broadway, Minot 58701 |
| North Star Community | 1819 S Broadway, Minot 58701 |
| Aspire Community | 1430 S Broadway, Minot 58701 |
| Affinity First | 811 S Broadway, Minot 58701 |
| Minot Area Schools | 215 2Nd St Se, Minot 58701 |
| Tel-U-Watt | 24 2Nd Ave Se, Minot 58701 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ward County
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Ward County?
Ward 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 Ward County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Ward County?
Options include 20 bank and 14 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 Ward County?
Fill out our short online form from anywhere in Ward 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 an emergency loan in Ward County?
Yes. When an unexpected bill comes up, Ward 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 apply for a loan online in Ward County?
Yes. You don't need to visit a branch or storefront anywhere in Ward 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 Ward County, ND?
You can apply at banks, credit unions and lenders in Ward 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 Ward 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. Ward County residents can start any time, and it takes about 3 minutes.