Loans in Moultrie County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Moultrie County, IL.
The median household in Moultrie County earns $71,784 a year, 14% below the Illinois median of $83,390. About 9% of residents live below the federal poverty line, and 24.0% of households rent their home. 13.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Moultrie County
Here's what to have on hand before you start your personal loan request in Moultrie 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 Moultrie County
What Moultrie County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Moultrie 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 Moultrie County
Banks with branches in Moultrie County
8 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Community Bank of Moultrie County | 3 | 1 S Main St, Sullivan 61951 |
| Scott State Bank | 3 | 101 W Main St, Bethany 61914 |
| First Mid Bank & Trust, National Association | 1 | 200 S Hamilton St, Sullivan 61951 |
| FIRST NATIONAL BANK OF NOKOMIS | 1 | 120 W Progress St, Arthur 61911 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Moultrie County. The nearest counties with credit unions:
Credit unions in Coles County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Land Of Lincoln | 720 Broadway Ave, Mattoon 61938 |
| Area Educational | 812 Charleston Ave, Mattoon 61938 |
| Blaw-Knox | 215 S 17Th St, Mattoon 61938 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Macon County
18 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Citizens Equity First | 3301 N Woodford St, Decatur 62526 |
| 1St Midamerica | 202 E Ash Ave, Decatur 62526 |
| Land Of Lincoln | 3130 E Mound Rd, Decatur 62526 |
| Decatur Earthmover | 260 W Marion Ave, Forsyth 62535 |
| Staley | 3330 N Woodford St, Decatur 62526 |
| United Equity | 1130 E Pershing Rd, Decatur 62526 |
| I.B.E.W. Local #146 | 3390 N Woodford St, Decatur 62526 |
| Decatur Postal | 214 N Franklin St, Decatur 62523 |
| Decatur Policemen | 707 W South Side Dr, Decatur 62521 |
Source: NCUA credit union branch data, June 30, 2026.
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Moultrie County?
Moultrie 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 Moultrie 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 Moultrie County?
Options include 8 bank 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 Moultrie County?
Fill out our short online form from anywhere in Moultrie 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 a loan in Moultrie 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. Moultrie County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Moultrie County, IL?
You can apply at banks, credit unions and lenders in Moultrie 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 Moultrie County?
Yes. When an unexpected bill comes up, Moultrie 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 Moultrie County with bad credit?
Yes, many lenders in our network work with Moultrie 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.