Loans in Boone County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Boone County, MO.
The median household in Boone County earns $72,758 a year, about the same as the Missouri median of $70,702. About 17% of residents live below the federal poverty line, and 42.3% of households rent their home.
What you need for a payday loan in Boone County
Lenders that serve Boone 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 Boone County
What Boone County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Boone 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 Boone County
Banks with branches in Boone County
61 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Central Trust Bank | 14 | 117 N Ogden St, Sturgeon 65284 |
| Simmons Bank | 6 | 801 E Broadway, Columbia 65201 |
| Commerce Bank | 6 | 3709 Sandman Ln, Columbia 65201 |
| U.S. Bank National Association | 3 | 1408 Forum Blvd, Columbia 65203 |
| Connections Bank | 3 | 301 E Broadway, Ashland 65010 |
| The Callaway Bank | 3 | 1600 Chapel Hill Rd, Columbia 65203 |
| First State Community Bank | 3 | 3200 Golden Bear Dr, Columbia 65202 |
| First Mid Bank & Trust, National Association | 2 | 3855 Forum Blvd, Columbia 65203 |
| Bank of America, National Association | 2 | 800 Cherry St, Columbia 65201 |
| Regions Bank | 2 | 2114 Paris Rd, Columbia 65202 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Boone County
13 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Multipli | 3000 Carter Lane, Columbia 65201 |
| West Community | 308 S 9Th St Ste 114, Columbia 65201 |
| United | 3421 Grindstone Pkwy, Columbia 65201 |
| Shelter Insurance | 1817 W Broadway, Columbia 65218 |
| Columbia | 310 E Walnut St, Columbia 65201 |
| Academic Employees | 2804 W Ash St, Columbia 65203 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Boone County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Boone County?
Boone 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 Boone 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 Boone County?
Options include 61 bank and 13 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 Boone County?
Fill out our short online form from anywhere in Boone 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 get a loan in Boone 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. Boone County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Boone County?
Yes. When an unexpected bill comes up, Boone 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.
Can I apply for a loan online in Boone County?
Yes. You don't need to visit a branch or storefront anywhere in Boone 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 Boone County with bad credit?
Yes, many lenders in our network work with Boone 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.