Personal loans in Williston, ND
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Williston, ND.
The median household in Williston earns $79,381 a year, about the same as the North Dakota median of $76,657. About 8% of residents live below the federal poverty line, and 52.9% of households rent their home.
North Dakota law that applies in Williston
| 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 Williston
Most Williston 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 Williston
What Williston borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Williston
- 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 Williston
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank & Trust | 2 | 22 4th St E, Williston 58801 |
| 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 |
| U.S. Bank National Association | 1 | 202 Main St, Williston 58801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Williston
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Western Cooperative | 1300 Bison Dr, Williston 58801 |
Source: NCUA credit union branch data, June 30, 2026.
County: Williams County · Payday Loans in Williston
Frequently asked questions
Can I get a personal loan with bad credit in Williston?
Possibly. Lenders in our network consider applicants with fair and bad credit across North Dakota, including Williston. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Williston, 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 Williston?
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.
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 Williston borrowers who qualify.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Williston with our free 3-minute form.
Can I get an emergency loan with bad credit in Williston?
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. Williston residents can see if they qualify in about 3 minutes.
How do installment loans work in Williston?
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. Williston residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan in Williston with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Williston residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Williston?
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.