Loans in Floyd County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Floyd County, IN.
The median household in Floyd County earns $79,704 a year, 11% above the Indiana median of $71,957. About 10% of residents live below the federal poverty line, and 26.8% of households rent their home.
What you need for a payday loan in Floyd County
Here's what to have on hand before you start your payday loan request in Floyd County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Floyd County
What Floyd County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Floyd County
Payday Loans Legal
Payday loans, called small loans, are legal in Indiana from DFI-licensed lenders under the Uniform Consumer Credit Code, IC 24-4.5-7.
Personal Loans
Supervised loans: 36% to $2,600, 21% to $5,200, 15% above (or 25%).
Title Loans
Indiana small (payday) loans may not be secured by any personal property other than a check or debit authorization, so a payday loan cannot be a title loan.
Banks and credit unions in Floyd County
Banks with branches in Floyd County
29 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Harrison Bank | 5 | 3131 Grant Line Rd, New Albany 47150 |
| WesBanco Bank, Inc. | 4 | 101 W Spring St, New Albany 47150 |
| First Financial Bank | 3 | 100 E Spring St, New Albany 47150 |
| First Merchants Bank | 3 | 1000 Copperfield Dr, Georgetown 47122 |
| JPMorgan Chase Bank, National Association | 2 | 120 W Spring St, New Albany 47150 |
| PNC Bank, National Association | 2 | 705 Highlander Point Dr, Floyds Knobs 47119 |
| Republic Bank & Trust Company | 2 | 3001 Charlestown Crossing Way, New Albany 47150 |
| The New Washington State Bank | 2 | 123 E Market St, New Albany 47150 |
| U.S. Bank National Association | 1 | 2115 E Spring St, New Albany 47150 |
| Fifth Third Bank, National Association | 1 | 3401 Grant Line Rd, New Albany 47150 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Floyd County
7 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Everwise | 3308 Grant Line Rd, New Albany 47150 |
| Indiana Members | 4040 Grant Line Rd, New Albany 47150 |
| Centra | 2150 State St, New Albany 47150 |
| L & N | 2865 Charlestown Rd, New Albany 47150 |
| Park | 4100 Technology Ave, New Albany 47150 |
| One Vision | 2441 State St Ste A, New Albany 47150 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Floyd County
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Floyd County?
Floyd County follows Indiana law. Payday loans, called small loans, are legal in Indiana from DFI-licensed lenders under the Uniform Consumer Credit Code, IC 24-4.5-7.
Are title loans legal in Floyd County?
Indiana small (payday) loans may not be secured by any personal property other than a check or debit authorization, so a payday loan cannot be a title loan.
Where can I get a small loan in Floyd County?
Options include 29 bank and 7 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 Floyd County?
Fill out our short online form from anywhere in Floyd County. We share it with lenders in our network that serve Indiana; 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 Floyd 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. Floyd County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Floyd County?
Yes. You don't need to visit a branch or storefront anywhere in Floyd 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 Indiana. 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 Floyd County?
Yes. When an unexpected bill comes up, Floyd 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 Floyd County with bad credit?
Yes, many lenders in our network work with Floyd 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.