Loans in Union County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, IL.
The median household in Union County earns $55,728 a year, 33% below the Illinois median of $83,390. About 20% of residents live below the federal poverty line, and 22.6% of households rent their home. 24.8% of households have no home internet; our form works on any phone.
What you need for a personal loan in Union County
Lenders that serve Union 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 Union County
What Union County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union 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 |
|---|---|---|
| Anna-Jonesboro National Bank | 3 | 201 S Main St, Anna 62906 |
| Farmers State Bank of Alto Pass, Ill. | 1 | 55 N Elm St, Alto Pass 62905 |
| Alliance Bank | 1 | 100 E Vienna St, Anna 62906 |
| The First State Bank of Dongola | 1 | 108 Ne Front St, Dongola 62926 |
| Southern Bank | 1 | 358 S Main St, Anna 62906 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| A.S.H. Employees | 1000 N Main St, Anna 62906 |
Source: NCUA credit union branch data, June 30, 2026.
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union 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 Union County?
Options include 7 bank and 1 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 Union County?
Fill out our short online form from anywhere in Union 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 Union County, IL?
You can apply at banks, credit unions and lenders in Union 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 Union County?
Yes. When an unexpected bill comes up, Union 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 Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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 Union 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. Union County residents can start any time, and it takes about 3 minutes.