Loans in Dallas County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas County, MO.
The median household in Dallas County earns $53,464 a year, 24% below the Missouri median of $70,702. About 20% of residents live below the federal poverty line, and 24.1% of households rent their home. 14.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Dallas County
Lenders that serve Dallas 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 Dallas County
What Dallas County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Dallas 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 Dallas County
Banks with branches in Dallas County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Oakstar Bank | 2 | 109 N Main St, Urbana 65767 |
| O'Bannon Banking Company | 1 | 1347 S Ash St, Buffalo 65622 |
| Omb Bank | 1 | 1200 W Dallas St, Buffalo 65622 |
| BTC Bank | 1 | 1505 S Ash St, Buffalo 65622 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Dallas County. The nearest counties with credit unions:
Credit unions in Laclede County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Infuze | 395 East Highway 32, Lebanon 65536 |
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 Dallas County?
Dallas 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 Dallas 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 Dallas County?
Options include 5 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 Dallas County?
Fill out our short online form from anywhere in Dallas 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 Dallas County with bad credit?
Yes, many lenders in our network work with Dallas 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 Dallas 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. Dallas County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Dallas County, MO?
You can apply at banks, credit unions and lenders in Dallas 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.
Can I get an emergency loan in Dallas County?
Yes. When an unexpected bill comes up, Dallas 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.