Loans in Franklin County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, MO.
The median household in Franklin County earns $73,165 a year, about the same as the Missouri median of $70,702. About 8% of residents live below the federal poverty line, and 23.5% of households rent their home.
What you need for a payday loan in Franklin County
Here's what to have on hand before you start your payday loan request in Franklin 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 Franklin County
What Franklin County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
41 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Washington | 6 | 200 W Main St, Washington 63090 |
| SULLIVAN BANK | 5 | 318 W Main St, Sullivan 63080 |
| First State Community Bank | 4 | 340 S Main St, Gerald 63037 |
| Citizens Bank | 4 | 100 Circle Dr, New Haven 63068 |
| Bank of Franklin County | 4 | 900 E 8th St, Washington 63090 |
| United Bank of Union | 3 | 15 E Main St, Union 63084 |
| U.S. Bank National Association | 3 | 201 S Oak St, Union 63084 |
| Farmers and Merchants Bank of St. Clair | 2 | 959 N Commercial Ave, Saint Clair 63077 |
| Heritage Community Bank | 2 | 100 E Locust St, Union 63084 |
| PSB Bank | 2 | 1999 W Osage St, Pacific 63069 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 1701 A Roy Dr, Washington 63090 |
| St. Louis Community | 170 S Service Rd E, Sullivan 63080 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Franklin County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin 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 Franklin 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 Franklin County?
Options include 41 bank and 2 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 an emergency loan in Franklin County?
Yes. When an unexpected bill comes up, Franklin 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 get a loan in Franklin 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. Franklin County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Franklin County, MO?
You can apply at banks, credit unions and lenders in Franklin 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 apply for a loan online in Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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.