Loans in Putnam County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, IN.
The median household in Putnam County earns $78,378 a year, 9% above the Indiana median of $71,957. About 9% of residents live below the federal poverty line, and 24.6% of households rent their home.
What you need for a payday loan in Putnam County
Lenders that serve Putnam 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 Putnam County
What Putnam County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Putnam 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 Putnam County
Banks with branches in Putnam County
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Tri-County Bank & Trust Company | 3 | 18 E Washington St, Roachdale 46172 |
| First National Bank | 3 | 302 S Main St, Cloverdale 46120 |
| The North Salem State Bank | 2 | 117 S Warren Dr, Greencastle 46135 |
| PNC Bank, National Association | 1 | 1 Central Sq, Greencastle 46135 |
| Old National Bank | 1 | 25 E Washington St, Greencastle 46135 |
| Hoosier Heartland State Bank | 1 | 108 N Indiana St, Roachdale 46172 |
| First Financial Bank, National Association | 1 | 101 S Warren Dr, Greencastle 46135 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Putnam County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Everwise | 57 Putnam Plz, Greencastle 46135 |
| Crane | 102 S Main St, Cloverdale 46120 |
Source: NCUA credit union branch data, June 30, 2026.
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Putnam County?
Putnam 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 Putnam 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 Putnam County?
Options include 12 bank and 2 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 Putnam County?
Fill out our short online form from anywhere in Putnam 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 Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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 apply for a loan online in Putnam County?
Yes. You don't need to visit a branch or storefront anywhere in Putnam 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 Putnam County?
Yes. When an unexpected bill comes up, Putnam 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 Putnam County, IN?
You can apply at banks, credit unions and lenders in Putnam 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.