Loans in Carroll County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, IL.
The median household in Carroll County earns $60,758 a year, 27% below the Illinois median of $83,390. About 14% of residents live below the federal poverty line, and 22.8% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Carroll County
Here's what to have on hand before you start your personal loan request in Carroll County:
- 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 Carroll County
What Carroll County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Carroll 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 Carroll County
Banks with branches in Carroll County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fidelity Bank | 3 | 302 Main St, Savanna 61074 |
| TBK BANK, SSB | 3 | 229 Main St, Savanna 61074 |
| First State Bank Shannon-Polo | 2 | 1 S Linn St, Shannon 61078 |
| Exchange State Bank | 1 | 126 N Broad St, Lanark 61046 |
| Milledgeville State Bank | 1 | 451 N Main Ave, Milledgeville 61051 |
| Citizens State Bank | 1 | 301 Main St, Savanna 61074 |
| The State Bank of Pearl City | 1 | 408 S Clay St, Mount Carroll 61053 |
| Farmers National Bank | 1 | 642 South East Street, Mount Carroll 61053 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carroll County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| R.I.A. | 103 3Rd St, Savanna 61074 |
| Blackhawk Area | 214 Main St, Savanna 61074 |
Source: NCUA credit union branch data, June 30, 2026.
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll 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 Carroll 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 Carroll County?
Options include 13 bank and 2 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 Carroll County?
Fill out our short online form from anywhere in Carroll 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 Carroll County?
Yes. When an unexpected bill comes up, Carroll 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.
Where can I get a loan in Carroll County, IL?
You can apply at banks, credit unions and lenders in Carroll 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 get a loan in Carroll County with bad credit?
Yes, many lenders in our network work with Carroll 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.
Can I get a loan in Carroll 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. Carroll County residents can start any time, and it takes about 3 minutes.