Loans in Cattaraugus County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cattaraugus County, NY.
The median household in Cattaraugus County earns $59,540 a year, 31% below the New York median of $85,974. About 19% of residents live below the federal poverty line, and 24.8% of households rent their home. 13.5% of households have no home internet; our form works on any phone.
What you need for a personal loan in Cattaraugus County
Here's what to have on hand before you start your personal loan request in Cattaraugus County:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Cattaraugus County
What Cattaraugus County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Cattaraugus County
Payday Loans Not available
Payday loans are illegal in New York under both civil and criminal usury laws.
Personal Loans
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
Title Loans Not available
New York has no title-lending law.
Banks and credit unions in Cattaraugus County
Banks with branches in Cattaraugus County
22 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank, National Association | 8 | 103 Main St, Salamanca 14779 |
| Cattaraugus County Bank | 4 | 116 Main St, Little Valley 14755 |
| Five Star Bank | 4 | 107 Main St, Salamanca 14779 |
| Manufacturers and Traders Trust Company | 2 | 47 Washington St, Ellicottville 14731 |
| Bank of Cattaraugus | 1 | 24 Main St, Cattaraugus 14719 |
| KeyBank National Association | 1 | 450 N Union St, Olean 14760 |
| Woodforest National Bank | 1 | 1869 Plaza Dr, Olean 14760 |
| Hamlin Bank and Trust Company | 1 | 2102 W State St, Olean 14760 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cattaraugus County
11 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| High Point | 1201 Wayne St, Olean 14760 |
| Jamestown Area Community | 71 Main St, Randolph 14772 |
| C C S E | 417 Broad St, Salamanca 14779 |
| Seneca Nation Of Indians | 90 Ohiyo Way, Salamanca 14779 |
| Olean Teachers' And Postal | 1700 Constitution Ave, Olean 14760 |
| Tri-County | 30 School St, Delevan 14042 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Cattaraugus County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Cattaraugus County?
Cattaraugus County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Cattaraugus County?
New York has no title-lending law.
Where can I get a small loan in Cattaraugus County?
Options include 22 bank and 11 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 Cattaraugus County?
Fill out our short online form from anywhere in Cattaraugus County. We share it with lenders in our network that serve New York; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Cattaraugus County?
Yes. You don't need to visit a branch or storefront anywhere in Cattaraugus 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 New York. 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 Cattaraugus County with bad credit?
Yes, many lenders in our network work with Cattaraugus 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 get an emergency loan in Cattaraugus County?
Yes. When an unexpected bill comes up, Cattaraugus 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 Cattaraugus County, NY?
You can apply at banks, credit unions and lenders in Cattaraugus 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 New York residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.