Loans in Adair County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Adair County, MO.
The median household in Adair County earns $61,536 a year, 13% below the Missouri median of $70,702. About 22% of residents live below the federal poverty line, and 39.0% of households rent their home. 13.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Adair County
Lenders that serve Adair 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 Adair County
What Adair County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Adair County
Payday Loans Legal
Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Personal Loans
No rate cap: licensed lenders may charge rates agreed by the parties.
Title Loans Legal
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Banks and credit unions in Adair County
Banks with branches in Adair County
9 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Equity Bank | 2 | 1002 S Baltimore St, Kirksville 63501 |
| NBH Bank | 1 | 201 N Elson St, Kirksville 63501 |
| Northeast Missouri State Bank | 1 | 600 S Baltimore St, Kirksville 63501 |
| U.S. Bank National Association | 1 | 2202 N Baltimore St, Kirksville 63501 |
| Alliant Bank | 1 | 201 S Baltimore St, Kirksville 63501 |
| Connections Bank | 1 | 2817 N Baltimore St, Kirksville 63501 |
| PSB Bank | 1 | 3311 N Baltimore St, Kirksville 63501 |
| MA Bank | 1 | 1220 N Baltimore St, Kirksville 63501 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Adair County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Horizon | 701 S Baltimore St, Kirksville 63501 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Adair County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Adair County?
Adair County follows Missouri law. Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Are title loans legal in Adair County?
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Where can I get a small loan in Adair County?
Options include 9 bank and 1 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 Adair County?
Fill out our short online form from anywhere in Adair County. We share it with lenders in our network that serve Missouri; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Adair County?
Yes. You don't need to visit a branch or storefront anywhere in Adair 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 Missouri. 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 Adair County with bad credit?
Yes, many lenders in our network work with Adair 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 a loan in Adair 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. Adair County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Adair County, MO?
You can apply at banks, credit unions and lenders in Adair 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 Missouri residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.