Loans in Putnam County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, FL.
The median household in Putnam County earns $47,934 a year, 36% below the Florida median of $74,568. About 23% of residents live below the federal poverty line, and 24.6% of households rent their home. 12.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Putnam County
Lenders that serve Putnam 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 Putnam County
What Putnam County borrowers use it for
cover a short gap before payday
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
Which loans are available in Putnam County
Payday Loans Legal
Payday loans (called deferred presentment transactions) are legal in Florida from lenders licensed by the Office of Financial Regulation, under Part IV of Chapter 560, Florida…
Personal Loans
Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000.
Title Loans Legal
Car title loans are legal in Florida from lenders licensed under the Florida Title Loan Act (Chapter 537), with interest capped at 18%-30% a year depending on loan size.
Banks and credit unions in Putnam County
Banks with branches in Putnam County
9 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Capital City Bank | 2 | 148 S Us Highway 17, East Palatka 32131 |
| Ameris Bank | 2 | 601 Reid St, Palatka 32177 |
| SouthState Bank, National Association | 2 | 500 N Summit St, Crescent City 32112 |
| DLP Bank | 1 | 1120 Sr 20, Interlachen 32148 |
| TD Bank, National Association | 1 | 101 Highway #19, North, Palatka 32177 |
| Barwick Banking Company | 1 | 620 S. State Road, Palatka 32177 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Putnam County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Vystar | 510 S State Road 19, Palatka 32177 |
| Radiant | 112 N Summit St, Crescent City 32112 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Putnam County
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Putnam County?
Putnam County follows Florida law. Payday loans (called deferred presentment transactions) are legal in Florida from lenders licensed by the Office of Financial Regulation, under Part IV of Chapter 560, Florida Statutes.
Are title loans legal in Putnam County?
Car title loans are legal in Florida from lenders licensed under the Florida Title Loan Act (Chapter 537), with interest capped at 18%-30% a year depending on loan size.
Where can I get a small loan in Putnam County?
Options include 9 bank and 4 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 Putnam County?
Fill out our short online form from anywhere in Putnam County. We share it with lenders in our network that serve Florida; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Putnam County, FL?
You can apply at banks, credit unions and lenders in Putnam 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 Florida residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get an emergency loan in Putnam County?
Yes. When an unexpected bill comes up, Putnam 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.
Can I get a loan in Putnam 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. Putnam County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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.