Loans in Madison County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, IL.
The median household in Madison County earns $75,793 a year, 9% below the Illinois median of $83,390. About 11% of residents live below the federal poverty line, and 25.8% of households rent their home.
What you need for a personal loan in Madison County
Lenders that serve Madison 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 Madison County
What Madison County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
77 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 10 | 12515 State Route 143, Highland 62249 |
| Busey Bank | 9 | 330 W Vandalia St, Edwardsville 62025 |
| FCB Banks | 9 | 111 Walnut St, Highland 62249 |
| U.S. Bank National Association | 7 | 1411 Lewis Rd, Edwardsville 62025 |
| Constitution Bank, National Association | 6 | 300 South Buchanan Street, Edwardsville 62025 |
| First Mid Bank & Trust, National Association | 5 | 12616 State Route 143, Highland 62249 |
| The Bradford National Bank of Greenville | 4 | 102 W 4th St, Saint Jacob 62281 |
| United Community Bank | 4 | 2403 Homer M Adams Pkwy, Alton 62002 |
| Carrollton Bank | 3 | 120 Homer M Adams Pkwy, Alton 62002 |
| Heartland Bank and Trust Company | 3 | 200 Homer M Adams Pkwy, Alton 62002 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
34 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Altonized Community | 4435 Alby St, Alton 62002 |
| Citizens Equity First | 1254 University Dr, Edwardsville 62025 |
| First Community | 1040 Collinsville Crossing Blvd, Collinsville 62234 |
| Scott | 1100 Belt Line Rd, Collinsville 62234 |
| 1St Midamerica | 731 E Bethalto Dr, Bethalto 62010 |
| Revity | 3970 Maryville Rd, Granite City 62040 |
| Midwest Members | 101 Wesley Dr., Wood River 62095 |
| Siue | 1566 Lewis Rd, Edwardsville 62025 |
| State Employees Community | 4500 College Ave Ste 200, Alton 62002 |
| B.E.A. | 101 School St, Bethalto 62010 |
| Alton Municipal Employees | 3212 College Ave, Alton 62002 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 77 bank and 34 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 Madison County?
Fill out our short online form from anywhere in Madison 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.
Where can I get a loan in Madison County, IL?
You can apply at banks, credit unions and lenders in Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Madison County?
Yes. When an unexpected bill comes up, Madison 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.