Loans in Washington County, IL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, IL.
The median household in Washington County earns $78,224 a year, 6% below the Illinois median of $83,390. About 8% of residents live below the federal poverty line, and 15.9% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
What you need for a personal loan in Washington County
Most Washington County applicants can finish in one sitting if they have these ready:
- 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 Washington County
What Washington County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers and Merchants National Bank of Nashville | 5 | 120 W Saint Louis St, Nashville 62263 |
| The Bradford National Bank of Greenville | 2 | 107 S 2nd St, Irvington 62848 |
| Farmers State Bank of Hoffman | 1 | 85 East St. Louis Street, Hoyleton 62803 |
| Regions Bank | 1 | 112 E Saint Louis St, Nashville 62263 |
| The First National Bank of Okawville | 1 | 203 E Walnut St, Okawville 62271 |
| The Old Exchange National Bank of Okawville | 1 | 110 E Walnut St, Okawville 62271 |
| Murphy-Wall State Bank and Trust Company | 1 | 86 N Weigh St, Oakdale 62268 |
| Nashville Savings Bank | 1 | 209 E Lebanon St, Nashville 62263 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Washington County. The nearest counties with credit unions:
Credit unions in Clinton County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Scott | 301 N 4Th St, Breese 62230 |
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.
Cities in Washington County
All Illinois counties and cities
Frequently asked questions
Are payday loans legal in Washington County?
Washington 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 Washington 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 Washington County?
Options include 13 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 Washington County?
Fill out our short online form from anywhere in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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 an emergency loan in Washington County?
Yes. When an unexpected bill comes up, Washington 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 Washington County with bad credit?
Yes, many lenders in our network work with Washington 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.