Loans in Knox County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Knox County, IL.
The median household in Knox County earns $57,030 a year, 32% below the Illinois median of $83,390. About 15% of residents live below the federal poverty line, and 29.2% of households rent their home. 10.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Knox County
Lenders that serve Knox County typically ask for the following:
- 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 Knox County
What Knox County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Knox 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 Knox County
Banks with branches in Knox County
18 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| CBI Bank & Trust | 3 | 21 E Main St, Galesburg 61401 |
| Tompkins State Bank | 3 | 1380 N Henderson St, Galesburg 61401 |
| Midwest Bank | 2 | 612 W Main St, Galesburg 61401 |
| Community State Bank | 2 | 1535 N Henderson St, Galesburg 61401 |
| Old National Bank | 1 | 302 E Main St, Galesburg 61401 |
| Anderson State Bank | 1 | 111 W Highway St, Oneida 61467 |
| Bank of Farmington | 1 | 206 Lions Dr, Williamsfield 61489 |
| Bank of Yates City | 1 | 107 E Main St, Yates City 61572 |
| First Mid Bank & Trust, National Association | 1 | 101 E Main St, Galesburg 61401 |
| Wells Fargo Bank, National Association | 1 | 2131 N Henderson St, Galesburg 61401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Knox County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| I. H. Mississippi Valley | 404 West Carl Sandburg Drive, Galesburg 61401 |
| United Equity | 687 Lincoln St, Galesburg 61401 |
| Gale | 631 N Henderson St, Galesburg 61401 |
| Galesburg Burlington | 476 E South St, Galesburg 61401 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Knox County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Knox County?
Knox 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 Knox 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 Knox County?
Options include 18 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 Knox County?
Fill out our short online form from anywhere in Knox 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 apply for a loan online in Knox County?
Yes. You don't need to visit a branch or storefront anywhere in Knox 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.
Can I get a loan in Knox County with bad credit?
Yes, many lenders in our network work with Knox 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.
Where can I get a loan in Knox County, IL?
You can apply at banks, credit unions and lenders in Knox 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 an emergency loan in Knox County?
Yes. When an unexpected bill comes up, Knox 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.