Loans in Macon County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Macon County, MO.
The median household in Macon County earns $62,357 a year, 12% below the Missouri median of $70,702. About 10% of residents live below the federal poverty line, and 23.2% of households rent their home. 15.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Macon County
Here's what to have on hand before you start your payday loan request in Macon 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 Macon County
What Macon County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Macon 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 Macon County
Banks with branches in Macon County
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regional Missouri Bank | 2 | 200 S Main St, New Cambria 63558 |
| Equity Bank | 2 | 1512 N Missouri St, Macon 63552 |
| Northeast Missouri State Bank | 1 | 139 S Gex St, La Plata 63549 |
| MA Bank | 1 | 1513 N Missouri St, Macon 63552 |
| Southern Bank | 1 | 707 E Briggs Dr, Macon 63552 |
| U.S. Bank National Association | 1 | 1608 N Rutherford St, Macon 63552 |
| First State Community Bank | 1 | 1612 Maffry Ave, Macon 63552 |
Source: FDIC BankFind Suite, retrieved Oct 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 Macon County?
Macon 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 Macon 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 Macon County?
Options include 9 bank and 1 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 Macon County?
Fill out our short online form from anywhere in Macon 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 Macon County, MO?
You can apply at banks, credit unions and lenders in Macon 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 an emergency loan in Macon County?
Yes. When an unexpected bill comes up, Macon 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 Macon County with bad credit?
Yes, many lenders in our network work with Macon 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 Macon County?
Yes. You don't need to visit a branch or storefront anywhere in Macon 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.