Loans in Polk County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Polk County, MO.
The median household in Polk County earns $59,647 a year, 16% below the Missouri median of $70,702. About 16% of residents live below the federal poverty line, and 28.4% of households rent their home. 13.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Polk County
Most Polk 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 Polk County
What Polk County borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Polk 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 Polk County
Banks with branches in Polk County
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Grand Missouri Bank | 2 | 1630 Killingsworth Ave, Bolivar 65613 |
| The Bank of Missouri | 2 | 495 S Springfield Ave, Bolivar 65613 |
| Oakstar Bank | 2 | 340 S Springfield Ave, Bolivar 65613 |
| Commerce Bank | 1 | 2370 S Springfield Ave, Bolivar 65613 |
| Great Southern Bank | 1 | 201 W 1st St, Fair Play 65649 |
| U.S. Bank National Association | 1 | 809 S Springfield Ave, Bolivar 65613 |
| Mid-Missouri Bank | 1 | 2275 S Springfield Ave, Bolivar 65613 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Polk County. The nearest counties with credit unions:
Credit unions in Greene County
27 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Multipli | 818 N Benton Ave Ste 100, Springfield 65802 |
| America'S | 2350 E Bennett St, Springfield 65804 |
| Telcomm | 161 Us Highway 60 W, Republic 65738 |
| Blucurrent | 3216 S Glenstone Ave, Springfield 65804 |
| Assemblies Of God | 1535 N Campbell Ave, Springfield 65803 |
| Multi-States | 1444 E Sunshine St, Springfield 65804 |
| Metro | 447 S Campbell Ave, Springfield 65806 |
| Educational Community | 1221 E Grand St, Springfield 65804 |
| Volt | 2440 N Kansas Expy, Springfield 65803 |
| Foundation | 1726 W Elfindale St, Springfield 65807 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Laclede County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Infuze | 395 East Highway 32, Lebanon 65536 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Polk County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Polk County?
Polk 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 Polk 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 Polk 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 Polk County?
Fill out our short online form from anywhere in Polk 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 Polk County?
Yes. When an unexpected bill comes up, Polk 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 Polk 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. Polk County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Polk County, MO?
You can apply at banks, credit unions and lenders in Polk 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 apply for a loan online in Polk County?
Yes. You don't need to visit a branch or storefront anywhere in Polk 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.