Loans in Perry County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Perry County, IL.
The median household in Perry County earns $62,118 a year, 26% below the Illinois median of $83,390. About 17% of residents live below the federal poverty line, and 19.1% 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 Perry County
Lenders that serve Perry 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 Perry County
What Perry County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Perry 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 Perry County
Banks with branches in Perry County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Du Quoin State Bank | 3 | 15 E Main St, Du Quoin 62832 |
| Murphy-Wall State Bank and Trust Company | 1 | 105 E Water St, Pinckneyville 62274 |
| First National Bank in Pinckneyville | 1 | 210 S Main St, Pinckneyville 62274 |
| Banterra Bank | 1 | 124 W Main St, Du Quoin 62832 |
| Regions Bank | 1 | 330 Southtowne Shopping Ctr, Du Quoin 62832 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Perry County. The nearest counties with credit unions:
Credit unions in Jackson County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Siu | 1175 E Main St, Carbondale 62901 |
| Carbondale Highway | 2801 W Murphysboro Rd, Carbondale 62901 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Jefferson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Genfed Financial | 800 S 42Nd St, Mount Vernon 62864 |
| Kaskaskia Valley Community | 3100 Broadway St, Mount Vernon 62864 |
Source: NCUA credit union branch data, June 30, 2026.
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Perry County?
Perry 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 Perry 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 Perry County?
Options include 7 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 Perry County?
Fill out our short online form from anywhere in Perry 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 Perry County with bad credit?
Yes, many lenders in our network work with Perry 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 Perry 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. Perry County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Perry County?
Yes. When an unexpected bill comes up, Perry 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 apply for a loan online in Perry County?
Yes. You don't need to visit a branch or storefront anywhere in Perry 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.