Personal loans in Jamestown, ND
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jamestown, ND.
The median household in Jamestown earns $56,554 a year, 26% below the North Dakota median of $76,657. About 15% of residents live below the federal poverty line, and 45.4% of households rent their home. 13.4% of households have no home internet; our form works on any phone.
North Dakota law that applies in Jamestown
| 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 Jamestown
Here's what to have on hand before you start your personal loan request in Jamestown:
- 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 Jamestown
What Jamestown borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Jamestown
- 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 Jamestown
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 208 2nd Ave Sw, Jamestown 58401 |
| Unison Bank | 1 | 401 1st Ave S, Jamestown 58401 |
| U.S. Bank National Association | 1 | 123 1st Ave S, Jamestown 58401 |
| Bank Forward | 1 | 400 2nd Ave Sw, Jamestown 58401 |
| Gate City Bank | 1 | 309 2nd Ave Sw, Jamestown 58401 |
| Dacotah Bank | 1 | 2510 8th Ave Sw, Jamestown 58401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jamestown
3 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Community | 310 10Th St Se, Jamestown 58401 |
Source: NCUA credit union branch data, June 30, 2026.
County: Stutsman County · Payday Loans in Jamestown
Frequently asked questions
Can I get a personal loan with bad credit in Jamestown?
Possibly. Lenders in our network consider applicants with fair and bad credit across North Dakota, including Jamestown. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Jamestown, 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 Jamestown?
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.
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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Jamestown borrowers who qualify.
Can I get an emergency loan with bad credit in Jamestown?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Jamestown residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Jamestown?
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.
How long does it take to get a personal loan in Jamestown?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Jamestown.
Do I need to visit a store in Jamestown?
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.