Loans in Clinton County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clinton County, NY.
The median household in Clinton County earns $71,224 a year, 17% below the New York median of $85,974. About 14% of residents live below the federal poverty line, and 30.6% of households rent their home.
What you need for a personal loan in Clinton County
Here's what to have on hand before you start your personal loan request in Clinton 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 Clinton County
What Clinton County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Clinton 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 Clinton County
Banks with branches in Clinton County
20 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arrow Bank National Association | 4 | 14 Durkee St, Plattsburgh 12901 |
| Community Bank, National Association | 3 | 9 Margaret St, Plattsburgh 12901 |
| KeyBank National Association | 3 | 888 Route 11, Champlain 12919 |
| TD Bank, National Association | 3 | 2990 Main St, Peru 12972 |
| Champlain National Bank | 3 | 32 Cornelia St, Plattsburgh 12901 |
| NBT Bank, National Association | 2 | 482 Route 3, Plattsburgh 12901 |
| Bank of England | 1 | 37 Boynton Ave, Plattsburgh 12901 |
| The North Country Savings Bank | 1 | 1 Broad Street, Plattsburgh 12901 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clinton County
16 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Dannemora | 344 Tom Miller Rd, Plattsburgh 12901 |
| Americu | 2499 State Route 9N, Au Sable Forks 12912 |
| North Country | 2488 State Route 11, Mooers 12958 |
| Sea Comm | 139 Smithfield Blvd, Plattsburgh 12901 |
| Ufirst | 274 Rugar St, Plattsburgh 12901 |
| Adirondack Regional | 672 State Route 3, Plattsburgh 12901 |
| Cvph Employees | 75 Beekman St, Plattsburgh 12901 |
| Plattsburgh City School District | 49 Broad St Ste 101, Plattsburgh 12901 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clinton County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Clinton County?
Clinton County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Clinton County?
New York has no title-lending law.
Where can I get a small loan in Clinton County?
Options include 20 bank and 16 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 Clinton County?
Fill out our short online form from anywhere in Clinton 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 an emergency loan in Clinton County?
Yes. When an unexpected bill comes up, Clinton 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 Clinton County, NY?
You can apply at banks, credit unions and lenders in Clinton 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 a loan in Clinton County with bad credit?
Yes, many lenders in our network work with Clinton 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 apply for a loan online in Clinton County?
Yes. You don't need to visit a branch or storefront anywhere in Clinton 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.