Loans in Chemung County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Chemung County, NY.
The median household in Chemung County earns $63,716 a year, 26% below the New York median of $85,974. About 16% of residents live below the federal poverty line, and 31.6% of households rent their home.
What you need for a personal loan in Chemung County
Most Chemung County applicants can finish in one sitting if they have these ready:
- 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 Chemung County
What Chemung County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Chemung 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 Chemung County
Banks with branches in Chemung County
13 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Chemung Canal Trust Company, National Association | 6 | 1 Chemung Canal Plz, Elmira 14901 |
| Community Bank, National Association | 3 | 300 W Water St, Elmira 14901 |
| Five Star Bank | 2 | 100 W Water St, Elmira 14901 |
| Manufacturers and Traders Trust Company | 1 | 2490 Corning Rd, Elmira 14903 |
| Woodforest National Bank | 1 | 1400 County Route 64, Horseheads 14845 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Chemung County
12 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Empower | 351 N Main St, Elmira 14901 |
| Visions | 303 N Main St, Elmira 14901 |
| Corning | 84 Canal St, Big Flats 14814 |
| First Heritage | 218 Prescott Ave, Elmira Heights 14903 |
| Solutions | 907 Broadway St, Elmira 14904 |
| Finger Lakes Health Care | 519 Hart St, Elmira 14905 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Chemung County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Chemung County?
Chemung County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Chemung County?
New York has no title-lending law.
Where can I get a small loan in Chemung County?
Options include 13 bank and 12 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 Chemung County?
Fill out our short online form from anywhere in Chemung 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 get a loan in Chemung 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. Chemung County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Chemung County, NY?
You can apply at banks, credit unions and lenders in Chemung 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.
Can I get an emergency loan in Chemung County?
Yes. When an unexpected bill comes up, Chemung 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 Chemung County with bad credit?
Yes, many lenders in our network work with Chemung 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.