Loans in Todd County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Todd County, KY.
The median household in Todd County earns $61,103 a year, about the same as the Kentucky median of $63,726. About 21% of residents live below the federal poverty line, and 24.0% of households rent their home. 19.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Todd County
Lenders that serve Todd 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 Todd County
What Todd County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Todd County
Payday Loans Legal
Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Personal Loans
Tiered monthly caps: 3% to $5,000, 2.42% to $10,000, 2.25% to $15,000.
Title Loans Limited
Kentucky has no separate title-pledge law.
Banks and credit unions in Todd County
Banks with branches in Todd County
7 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Elkton Bank & Trust Company | 4 | 30 Public Sq, Elkton 42220 |
| United Southern Bank | 2 | 808 S Main St, Elkton 42220 |
| First Financial Bank, National Association | 1 | Hopkinsville Street, Elkton 42220 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Todd County. The nearest counties with credit unions:
Credit unions in Logan County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Service One | 540 E 4Th St, Russellville 42276 |
| Autotruck Financial | 6920 Lewisburg Rd, Russellville 42276 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Christian County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | Oak Grove Shopping Center, Oak Grove 42262 |
| Fortera | 300 Clinic Dr, Hopkinsville 42240 |
| Service One | 120 Griffin Bell Dr, Hopkinsville 42240 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Todd County?
Todd County follows Kentucky law. Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Are title loans legal in Todd County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Todd County?
Options include 7 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 Todd County?
Fill out our short online form from anywhere in Todd County. We share it with lenders in our network that serve Kentucky; 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 Todd 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. Todd County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Todd County, KY?
You can apply at banks, credit unions and lenders in Todd 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 Kentucky residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Todd County with bad credit?
Yes, many lenders in our network work with Todd 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 get an emergency loan in Todd County?
Yes. When an unexpected bill comes up, Todd 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.