Loans in Howard County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Howard County, IN.
The median household in Howard County earns $64,027 a year, 11% below the Indiana median of $71,957. About 13% of residents live below the federal poverty line, and 29.4% of households rent their home.
What you need for a payday loan in Howard County
Lenders that serve Howard County typically ask for the following:
- 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 Howard County
What Howard County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Howard 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 Howard County
Banks with branches in Howard County
20 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Farmers Bank & Trust Co. | 6 | 160 W Main St, Russiaville 46979 |
| BMO Bank National Association | 4 | 2135 N Washington St, Kokomo 46901 |
| Community First Bank of Indiana | 3 | 201 W Sycamore St, Kokomo 46901 |
| Security Federal Savings Bank | 2 | 519 E Markland Ave, Kokomo 46901 |
| STAR Financial Bank | 2 | 114 E Walnut St, Kokomo 46901 |
| Horizon Bank | 1 | 112 S Washington St, Kokomo 46901 |
| KeyBank National Association | 1 | 1151 E Hoffer St, Kokomo 46902 |
| PNC Bank, National Association | 1 | 3701 S Lafountain St, Kokomo 46902 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Howard County
9 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Financial Center First | 1935 S Dixon Rd, Kokomo 46902 |
| Solidarity Community | 201 E Southway Blvd, Kokomo 46902 |
| Encompass | 4020 South Reed Road, Kokomo 46901 |
| Financial Builders | 2828 S Lafountain St, Kokomo 46902 |
| Indiana Heartland | 402 S Berkley Rd, Kokomo 46901 |
| Haynes Community | 1801 S Park Rd, Kokomo 46902 |
| City Of Firsts Community | 1120 S Main St, Kokomo 46902 |
| Howard County School Em | 105 W Southway Blvd, Kokomo 46902 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Howard County
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Howard County?
Howard 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 Howard 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 Howard County?
Options include 20 bank and 9 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 Howard County?
Fill out our short online form from anywhere in Howard 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 an emergency loan in Howard County?
Yes. When an unexpected bill comes up, Howard 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.
Where can I get a loan in Howard County, IN?
You can apply at banks, credit unions and lenders in Howard 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 Indiana residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Howard County?
Yes. You don't need to visit a branch or storefront anywhere in Howard 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 a loan in Howard County with bad credit?
Yes, many lenders in our network work with Howard 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.