Personal loans in Dickinson, ND
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dickinson, ND.
The median household in Dickinson earns $82,696 a year, 8% above the North Dakota median of $76,657. About 14% of residents live below the federal poverty line, and 39.0% of households rent their home.
North Dakota law that applies in Dickinson
| Rate cap | Finance charges may not exceed 36% a year, including all charges and fees needed to get the loan at origination. |
|---|---|
| License required | A money broker license from the Department of Financial Institutions is required to arrange or make loans to North Dakota residents, unless exempt (such as banks and credit unions). |
| Loan sizes covered | The 36% cap applies to licensed loans of any size. |
Full rules with statute citations: Personal Loans in North Dakota. Cities in North Dakota cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Dickinson
Most Dickinson applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Dickinson
What Dickinson borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Dickinson
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Dickinson
14 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Dakota Community Bank & Trust, National Association | 2 | 2284 3rd St W, Dickinson 58601 |
| Bravera Bank | 2 | 220 1st Ave W, Dickinson 58601 |
| Gate City Bank | 2 | 204 Sims St, Dickinson 58601 |
| BMO Bank National Association | 1 | 150 W Villard St, Dickinson 58601 |
| Choice Financial Group | 1 | 323 18th St W, Dickinson 58601 |
| Kirkwood Bank & Trust Co. | 1 | 221 1st Ave W, Dickinson 58601 |
| U.S. Bank National Association | 1 | 240 2nd St W, Dickinson 58601 |
| Dacotah Bank | 1 | 410 W Villard St, Dickinson 58601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dickinson
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 290 15Th St W, Dickinson 58601 |
Source: NCUA credit union branch data, June 30, 2026.
County: Stark County · Payday Loans in Dickinson
Frequently asked questions
Can I get a personal loan with bad credit in Dickinson?
Possibly. Lenders in our network consider applicants with fair and bad credit across North Dakota, including Dickinson. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Dickinson, ND?
36% APR cap (including origination charges) for licensed lenders; loans under $2,000 limited to 36 months with equal payments.
How fast can I get a personal loan in Dickinson?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How can I get an emergency loan in Dickinson?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do I apply for a personal loan with bad credit in Dickinson?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Dickinson residents can see their options in about 3 minutes.
How do installment loans work in Dickinson?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Dickinson residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Dickinson?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.