Loans in Putnam County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, MO.
The median household in Putnam County earns $63,510 a year, 10% below the Missouri median of $70,702. About 16% of residents live below the federal poverty line, and 17.0% of households rent their home. 21.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Putnam County
Here's what to have on hand before you start your payday loan request in Putnam 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 Putnam County
What Putnam County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Putnam 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 Putnam County
Banks with branches in Putnam County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers Bank of Northern Missouri | 1 | 1604 Main St, Unionville 63565 |
| Putnam County State Bank | 1 | 1522 Main St, Unionville 63565 |
| First Interstate Bank | 1 | 2228 Main St, Unionville 63565 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Putnam County. The nearest counties with credit unions:
Credit unions in Adair County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Horizon | 701 S Baltimore St, Kirksville 63501 |
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 Putnam County?
Putnam 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 Putnam 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 Putnam County?
Options include 3 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 Putnam County?
Fill out our short online form from anywhere in Putnam 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 Putnam County, MO?
You can apply at banks, credit unions and lenders in Putnam 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 Putnam County?
Yes. When an unexpected bill comes up, Putnam 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 apply for a loan online in Putnam County?
Yes. You don't need to visit a branch or storefront anywhere in Putnam 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.
Can I get a loan in Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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.