Loans in Monroe County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, NY.
The median household in Monroe County earns $76,382 a year, 11% below the New York median of $85,974. About 14% of residents live below the federal poverty line, and 36.3% of households rent their home.
What you need for a personal loan in Monroe County
Most Monroe 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 Monroe County
What Monroe County borrowers use it for
pay 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
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
139 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 25 | 28 N Main St, Honeoye Falls 14472 |
| JPMorgan Chase Bank, National Association | 19 | 1 S Clinton Ave, Rochester 14604 |
| KeyBank National Association | 19 | 1848 Empire Blvd, Webster 14580 |
| The Canandaigua National Bank and Trust Company | 18 | 51 Assembly Dr, Mendon 14506 |
| Citizens Bank, National Association | 16 | 2000 Monroe Ave, Rochester 14618 |
| Bank of America, National Association | 10 | 1500 Hudson Ave, Rochester 14621 |
| Five Star Bank | 8 | 100 Chestnut St, Rochester 14604 |
| NBT Bank, National Association | 6 | 45 S Main St, Fairport 14450 |
| Community Bank, National Association | 4 | 300 Hylan Dr, Rochester 14623 |
| Genesee Regional Bank | 3 | 1850 Winton Rd S, Rochester 14618 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monroe County
73 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Esl | 100 Canal View Blvd, Rochester 14623 |
| Greece Community | 1795 English Rd, Rochester 14616 |
| Visions | 1130 E Main St, Rochester 14609 |
| Kinecta | 1425 Jefferson Rd, Rochester 14623 |
| The Summit | 100 Marina Dr, Rochester 14626 |
| Reliant Community | 870 Holt Rd, Webster 14580 |
| Advantage | 225 W Broad St, Rochester 14608 |
| Ukrainian | 824 E Ridge Rd, Rochester 14621 |
| Pittsford | 1321 Pittsford Mendon Rd, Mendon 14506 |
| Finger Lakes | 70 S Main St, Fairport 14450 |
| Family First Of Ny | 2520 Browncroft Blvd, Rochester 14625 |
| Alternatives | 1275 Lexington Ave, Rochester 14606 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Monroe County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Monroe County?
Monroe County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Monroe County?
New York has no title-lending law.
Where can I get a small loan in Monroe County?
Options include 139 bank and 73 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe 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. Monroe County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Monroe County, NY?
You can apply at banks, credit unions and lenders in Monroe 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 apply for a loan online in Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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 an emergency loan in Monroe County?
Yes. When an unexpected bill comes up, Monroe 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.