Loans in Williams County, ND: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Williams County, ND.
The median household in Williams County earns $85,595 a year, 12% above the North Dakota median of $76,657. About 9% of residents live below the federal poverty line, and 47.0% of households rent their home.
What you need for a payday loan in Williams County
Lenders that serve Williams 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 Williams County
What Williams County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Williams 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 Williams County
Banks with branches in Williams County
11 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank & Trust | 3 | 24 Rr Avenue, Ray 58849 |
| American State Bank & Trust Company of Williston | 2 | 223 Main St, Williston 58801 |
| Gate City Bank | 2 | 422 Main St, Williston 58801 |
| First International Bank & Trust | 2 | 19 4th St E, Williston 58801 |
| The Bank of Tioga | 1 | 7 N Main St, Tioga 58852 |
| U.S. Bank National Association | 1 | 202 Main St, Williston 58801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Williams County
5 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 1300 Bison Dr, Williston 58801 |
| Dakota West | 115 Main St, Grenora 58845 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Williams County
All North Dakota counties and cities
Frequently asked questions
Are payday loans legal in Williams County?
Williams 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 Williams County?
North Dakota has no separate title-loan law.
Where can I get a small loan in Williams County?
Options include 11 bank and 5 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 Williams County?
Fill out our short online form from anywhere in Williams 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 Williams County with bad credit?
Yes, many lenders in our network work with Williams 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.
Where can I get a loan in Williams County, ND?
You can apply at banks, credit unions and lenders in Williams 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 apply for a loan online in Williams County?
Yes. You don't need to visit a branch or storefront anywhere in Williams 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 an emergency loan in Williams County?
Yes. When an unexpected bill comes up, Williams 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.