Loans in Livingston County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Livingston County, MO.
The median household in Livingston County earns $63,627 a year, 10% below the Missouri median of $70,702. About 12% of residents live below the federal poverty line, and 27.7% of households rent their home. 17.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Livingston County
Most Livingston County applicants can finish in one sitting if they have these ready:
- 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 Livingston County
What Livingston County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Livingston 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 Livingston County
Banks with branches in Livingston County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BTC Bank | 4 | 400 W Business 36, Chillicothe 64601 |
| Chillicothe State Bank | 2 | 600 Washington St, Chillicothe 64601 |
| Southern Bank | 2 | 515 Washington St, Chillicothe 64601 |
| NBH Bank | 1 | 345 S Washington St, Chillicothe 64601 |
| Investors Community Bank | 1 | 522 Washington St, Chillicothe 64601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Livingston 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 Macon County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Horizon | 310 N Missouri St, Macon 63552 |
Source: NCUA credit union branch data, June 30, 2026.
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Livingston County?
Livingston 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 Livingston 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 Livingston County?
Options include 10 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 Livingston County?
Fill out our short online form from anywhere in Livingston 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 Livingston County with bad credit?
Yes, many lenders in our network work with Livingston 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 apply for a loan online in Livingston County?
Yes. You don't need to visit a branch or storefront anywhere in Livingston 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.
Where can I get a loan in Livingston County, MO?
You can apply at banks, credit unions and lenders in Livingston 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 Livingston 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. Livingston County residents can start any time, and it takes about 3 minutes.