Loans in Adams County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Adams County, IL.
The median household in Adams County earns $66,220 a year, 21% below the Illinois median of $83,390. About 13% of residents live below the federal poverty line, and 27.9% of households rent their home.
What you need for a personal loan in Adams County
Most Adams County 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 Adams County
What Adams County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Adams County
Payday Loans Not available
Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by…
Personal Loans
36% APR all-in cap on consumer loans; installment lenders up to $40,000.
Title Loans Limited
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Banks and credit unions in Adams County
Banks with branches in Adams County
33 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Community Bank | 6 | 321 Quincy St, Golden 62339 |
| Liberty Bank | 5 | 1002 N Main St, Liberty 62347 |
| First Bankers Trust Company, National Association | 5 | 101 E Collins St, Mendon 62351 |
| Town & Country Bank Midwest | 3 | 514 N. Range Line, Lima 62348 |
| State Street Bank and Trust Company | 3 | 801 State St, Quincy 62301 |
| Central State Bank | 2 | 100 W Main St, Clayton 62324 |
| HomeBank | 2 | 1132 Broadway St, Quincy 62301 |
| Bank of Springfield | 2 | 1111 Maine St, Quincy 62301 |
| First Mid Bank & Trust, National Association | 1 | 636 Hampshire St, Quincy 62301 |
| Great Rivers Bank | 1 | 400 S Main St, Liberty 62347 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Adams County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| United Community | 1001 Vermont St, Quincy 62301 |
| Members ""First"" Community | 329 N 24Th St, Quincy 62301 |
| Western Illinois School Employees | 1416 Maine St, Quincy 62301 |
| Quincy Postal Employees | 3535 Locust St, Quincy 62301 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Adams County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Adams County?
Adams County follows Illinois law. Illinois still has a Payday Loan Reform Act, but since March 23, 2021 every consumer loan, including payday loans, is capped at 36% APR (all-in, Military Lending Act method) by the Predatory Loan Prevention Act.
Are title loans legal in Adams County?
Title-secured loans may still be made by lenders licensed under the Consumer Installment Loan Act, but only at or below 36% APR (all-in).
Where can I get a small loan in Adams County?
Options include 33 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 Adams County?
Fill out our short online form from anywhere in Adams County. We share it with lenders in our network that serve Illinois; 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 an emergency loan in Adams County?
Yes. When an unexpected bill comes up, Adams 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 Adams 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. Adams County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Adams County, IL?
You can apply at banks, credit unions and lenders in Adams 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 Illinois 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 Adams County?
Yes. You don't need to visit a branch or storefront anywhere in Adams 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 Illinois. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.