Loans in Franklin County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, NY.
The median household in Franklin County earns $65,151 a year, 24% below the New York median of $85,974. About 18% of residents live below the federal poverty line, and 27.5% of households rent their home. 11.2% of households have no home internet; our form works on any phone.
What you need for a personal loan in Franklin County
Lenders that serve Franklin County typically ask for the following:
- 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 Franklin County
What Franklin County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
15 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank, National Association | 7 | 10 Elm St, Malone 12953 |
| The North Country Savings Bank | 3 | 217 West Main Street, Malone 12953 |
| Arrow Bank National Association | 2 | 139 Church St, Saranac Lake 12983 |
| KeyBank National Association | 1 | 469 E Main St, Malone 12953 |
| NBT Bank, National Association | 1 | 3392 State Route 11, Malone 12953 |
| Champlain National Bank | 1 | 151 Church St, Saranac Lake 12983 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Sea Comm | 3349 State Route 11, Malone 12953 |
| Adirondack Regional | 280 Park St, Tupper Lake 12986 |
| Trunorthern | 494 E Main St, Malone 12953 |
| Tri-Lakes | 197 Broadway, Saranac Lake 12983 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Franklin County?
Franklin County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Franklin County?
New York has no title-lending law.
Where can I get a small loan in Franklin County?
Options include 15 bank and 7 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 Franklin 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. Franklin County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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 Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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.
Where can I get a loan in Franklin County, NY?
You can apply at banks, credit unions and lenders in Franklin 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.