Loans in Ray County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ray County, MO.
The median household in Ray County earns $74,573 a year, 5% above the Missouri median of $70,702. About 13% of residents live below the federal poverty line, and 22.7% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Ray County
Lenders that serve Ray County typically ask for the following:
- 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 Ray County
What Ray County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Ray 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 Ray County
Banks with branches in Ray County
8 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| TBO Bank | 1 | 113 E South Front St, Orrick 64077 |
| The Central Trust Bank | 1 | 401 North Penn Street, Lawson 64062 |
| Flat Branch Bank | 1 | 803 Wollard Blvd, Richmond 64085 |
| BTC Bank | 1 | 301 Ne 2nd St, Hardin 64035 |
| NBH Bank | 1 | 200 N Spartan Dr, Richmond 64085 |
| Community Bank of Missouri | 1 | 904 Walton Way, Richmond 64085 |
| Academy Bank, National Association | 1 | 908 Walton Way, Richmond 64085 |
| Goppert Financial Bank | 1 | 521 Johnny Walker Ln, Richmond 64085 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Ray County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Ray County?
Ray 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 Ray 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 Ray County?
Options include 8 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 Ray County?
Fill out our short online form from anywhere in Ray 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 Ray County?
Yes. When an unexpected bill comes up, Ray 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.
Where can I get a loan in Ray County, MO?
You can apply at banks, credit unions and lenders in Ray 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 Ray County?
Yes. You don't need to visit a branch or storefront anywhere in Ray 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 Ray 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. Ray County residents can start any time, and it takes about 3 minutes.