Loans in Phelps County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Phelps County, MO.
The median household in Phelps County earns $58,396 a year, 17% below the Missouri median of $70,702. About 17% of residents live below the federal poverty line, and 38.3% of households rent their home.
What you need for a payday loan in Phelps County
Here's what to have on hand before you start your payday loan request in Phelps 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 Phelps County
What Phelps County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Phelps 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 Phelps County
Banks with branches in Phelps County
18 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Phelps County Bank | 4 | 220 N Jefferson St, Saint James 65559 |
| Town & Country Bank | 3 | 325 N Jefferson St, St. James 65559 |
| Citizens Bank of the Midwest | 2 | 1515 Martin Springs Dr, Rolla 65401 |
| FCNB Bank | 2 | 2323 N Bishop Ave, Rolla 65401 |
| Legends Bank | 2 | 600 West Missouri 72, Rolla 65401 |
| First State Community Bank | 1 | 210 W 8th St, Rolla 65401 |
| U.S. Bank National Association | 1 | 500 W 6th St, Rolla 65401 |
| Southern Bank | 1 | 210 W 10th St, Rolla 65401 |
| The Bank of Missouri | 1 | 960 S Bishop Ave, Rolla 65401 |
| The Maries County Bank | 1 | 825 N Jefferson St, Saint James 65559 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Phelps County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Infuze | 1101 N Bishop Ave, Rolla 65401 |
| Riverways | 1012 Forum Dr, Rolla 65401 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Phelps County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Phelps County?
Phelps 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 Phelps 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 Phelps County?
Options include 18 bank and 3 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 Phelps County?
Fill out our short online form from anywhere in Phelps 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 Phelps County?
Yes. When an unexpected bill comes up, Phelps 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 Phelps County with bad credit?
Yes, many lenders in our network work with Phelps 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 Phelps County, MO?
You can apply at banks, credit unions and lenders in Phelps 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 Phelps 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. Phelps County residents can start any time, and it takes about 3 minutes.