Loans in Wells County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wells County, ND.
The median household in Wells County earns $66,114 a year, 14% below the North Dakota median of $76,657. About 9% of residents live below the federal poverty line, and 22.9% of households rent their home.
What you need for a payday loan in Wells County
Lenders that serve Wells 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 Wells County
What Wells County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Wells 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 Wells County
Banks with branches in Wells County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First International Bank & Trust | 2 | 78 Main Ave S, Fessenden 58438 |
| First State Bank of Harvey | 1 | 700 Lincoln Ave, Harvey 58341 |
| Dakota Heritage Bank | 1 | 721 Lincoln Ave, Harvey 58341 |
| Bank Forward | 1 | 65 Main Street, Bowdon 58418 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Wells County?
Wells 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 Wells County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Wells County?
Options include 5 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 Wells County?
Fill out our short online form from anywhere in Wells 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 apply for a loan online in Wells County?
Yes. You don't need to visit a branch or storefront anywhere in Wells 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 a loan in Wells 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. Wells County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Wells County with bad credit?
Yes, many lenders in our network work with Wells 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 Wells County?
Yes. When an unexpected bill comes up, Wells 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.