Loans in Jefferson County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, MO.
The median household in Jefferson County earns $82,851 a year, 17% above the Missouri median of $70,702. About 9% of residents live below the federal poverty line, and 17.8% of households rent their home.
What you need for a payday loan in Jefferson County
Here's what to have on hand before you start your payday loan request in Jefferson 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 Jefferson County
What Jefferson County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
44 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Enterprise Bank & Trust | 6 | 4675 Gravois Rd, House Springs 63051 |
| First State Community Bank | 6 | 328 N Main St, De Soto 63020 |
| Midwest BankCentre | 4 | 1950 Richardson Rd, Arnold 63010 |
| Bloomsdale Bank | 3 | 100 Bailey Rd, Crystal City 63019 |
| U.S. Bank National Association | 3 | 1543 Jeffco Blvd, Arnold 63010 |
| Commerce Bank | 2 | 956 Jeffco Blvd, Arnold 63010 |
| PNC Bank, National Association | 2 | 224 S Main St, De Soto 63020 |
| Midwest Regional Bank | 2 | 1913 Richardson Rd, Arnold 63010 |
| Bank of America, National Association | 1 | 998 E Gannon Dr, Festus 63028 |
| PSB Bank | 1 | 10625 Business 21, Hillsboro 63050 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
10 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| First Community | 1722 Missouri State Rd, Arnold 63010 |
| Together | 1334 Jeffco Blvd, Arnold 63010 |
| Vantage | 332 Festus Centre Dr, Festus 63028 |
| Arsenal | 3780 Vogel Rd, Arnold 63010 |
| Century | 3920 Jeffco Blvd, Arnold 63010 |
| Members 1St | 1200 E Gannon Dr, Festus 63028 |
| De Soto Mo Pac | 2082 Rock Rd, De Soto 63020 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Jefferson County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson 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 Jefferson 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 Jefferson County?
Options include 44 bank and 10 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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 Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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 Jefferson County?
Yes. When an unexpected bill comes up, Jefferson 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.
Where can I get a loan in Jefferson County, MO?
You can apply at banks, credit unions and lenders in Jefferson 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 Jefferson 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. Jefferson County residents can start any time, and it takes about 3 minutes.