Loans in Benton County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, MO.
The median household in Benton County earns $52,567 a year, 26% below the Missouri median of $70,702. About 20% of residents live below the federal poverty line, and 16.2% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Benton County
Here's what to have on hand before you start your payday loan request in Benton 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 Benton County
What Benton County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Benton 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 Benton County
Banks with branches in Benton County
6 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community National Bank & Trust | 2 | 101 S 65 Hwy, Lincoln 65338 |
| The Citizens-Farmers Bank of Cole Camp | 1 | 121 E Main St, Cole Camp 65325 |
| Hawthorn Bank | 1 | 1891 Commercial St, Warsaw 65355 |
| UMB Bank, National Association | 1 | 707 Walnut Drive, Warsaw 65355 |
| Equity Bank | 1 | 100 East Main, Warsaw 65355 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Benton County. The nearest counties with credit unions:
Credit unions in Pettis County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Central Missouri Community | 3120 W 10Th St, Sedalia 65301 |
| Bothwell Hospital Employees | 600 E 13Th St, Sedalia 65301 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Camden County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Infuze | 5286 Osage Beach Pkwy, Osage Beach 65065 |
Source: NCUA credit union branch data, June 30, 2026.
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton 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 Benton 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 Benton County?
Options include 6 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 Benton County?
Fill out our short online form from anywhere in Benton 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 Benton County?
Yes. You don't need to visit a branch or storefront anywhere in Benton 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 Benton County with bad credit?
Yes, many lenders in our network work with Benton 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 Benton 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. Benton County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Benton County?
Yes. When an unexpected bill comes up, Benton 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.