Loans in Howard County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Howard County, MO.
The median household in Howard County earns $65,938 a year, 7% below the Missouri median of $70,702. About 12% of residents live below the federal poverty line, and 21.3% of households rent their home. 11.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Howard County
Here's what to have on hand before you start your payday loan request in Howard 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 Howard County
What Howard County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Howard 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 Howard County
Banks with branches in Howard County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Exchange Bank of Missouri | 2 | 101 S Church St, Fayette 65248 |
| BTC Bank | 2 | 103 Commerce St, Glasgow 65254 |
| Regional Missouri Bank | 1 | 601 1st St, Glasgow 65254 |
| Commercial Trust Company of Fayette | 1 | 119 N Main St, Fayette 65248 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Howard County. The nearest counties with credit unions:
Credit unions in Randolph County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| United | 1791 E Outer Rd, Moberly 65270 |
Source: NCUA credit union branch data, June 30, 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.
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Howard County?
Howard 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 Howard 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 Howard 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 Howard County?
Fill out our short online form from anywhere in Howard 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.
Where can I get a loan in Howard County, MO?
You can apply at banks, credit unions and lenders in Howard 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 a loan in Howard 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. Howard County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Howard County with bad credit?
Yes, many lenders in our network work with Howard 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 an emergency loan in Howard County?
Yes. When an unexpected bill comes up, Howard 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.