Loans in Lafayette County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lafayette County, MO.
The median household in Lafayette County earns $80,612 a year, 14% above the Missouri median of $70,702. About 9% of residents live below the federal poverty line, and 24.3% of households rent their home.
What you need for a payday loan in Lafayette County
Lenders that serve Lafayette 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 Lafayette County
What Lafayette County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lafayette 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 Lafayette County
Banks with branches in Lafayette County
17 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Concordia Bank of Concordia, Missouri | 3 | 547 S Main St, Concordia 64020 |
| Community Bank of Marshall | 2 | 227 N Lafayette St, Corder 64021 |
| Bank of Odessa | 2 | 301 W Us Highway 40, Odessa 64076 |
| State Bank of Missouri | 2 | 101 Nw 2nd St, Concordia 64020 |
| The Central Trust Bank | 2 | 401 Fairground Ave, Higginsville 64037 |
| NBH Bank | 1 | 1211 Main St, Lexington 64067 |
| Preferred Bank | 1 | 295 W 2nd St, Napoleon 64074 |
| North American Savings Bank, F.S.B. | 1 | 205 S 13th St, Lexington 64067 |
| Equity Bank | 1 | 1919 Highway 13 Blvd, Higginsville 64037 |
| Wood & Huston Bank | 1 | 3500 Highway 13 Blvd, Higginsville 64037 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lafayette County. The nearest counties with credit unions:
Credit unions in Ray County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Central Missouri Community | 920 Stonner Loop, Richmond 64085 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Johnson County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Central Missouri Community | 620 N Maguire St, Warrensburg 64093 |
| R G | 603 N 23 Hwy, Knob Noster 65336 |
Source: NCUA credit union branch data, June 30, 2026.
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Lafayette County?
Lafayette 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 Lafayette 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 Lafayette County?
Options include 17 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 Lafayette County?
Fill out our short online form from anywhere in Lafayette 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 Lafayette County?
Yes. When an unexpected bill comes up, Lafayette 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 Lafayette 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. Lafayette County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Lafayette County with bad credit?
Yes, many lenders in our network work with Lafayette 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.
Where can I get a loan in Lafayette County, MO?
You can apply at banks, credit unions and lenders in Lafayette 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.