Loans in Ontario County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ontario County, NY.
The median household in Ontario County earns $82,324 a year, about the same as the New York median of $85,974. About 9% of residents live below the federal poverty line, and 26.3% of households rent their home.
What you need for a personal loan in Ontario County
Lenders that serve Ontario 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 Ontario County
What Ontario County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Ontario 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 Ontario County
Banks with branches in Ontario County
27 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Canandaigua National Bank and Trust Company | 8 | 72 S Main St, Canandaigua 14424 |
| Community Bank, National Association | 4 | 5 Seneca St, Geneva 14456 |
| Five Star Bank | 4 | 184 S Main St, Naples 14512 |
| The Lyons National Bank | 3 | 399 Exchange St, Geneva 14456 |
| JPMorgan Chase Bank, National Association | 2 | 130 S Main St, Canandaigua 14424 |
| Citizens Bank, National Association | 1 | 5 Eastview Mall Dr, Victor 14564 |
| Manufacturers and Traders Trust Company | 1 | 602 Rowley Rd, Victor 14564 |
| KeyBank National Association | 1 | 145 Eastern Blvd, Canandaigua 14424 |
| Wayne Bank | 1 | 389 Hamilton St, Geneva 14456 |
| Woodforest National Bank | 1 | 4238 Recreation Dr, Canandaigua 14424 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ontario County
13 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Esl | 4175 Recreation Dr, Canandaigua 14424 |
| Empower | 400 Fort Hill Ave Bldg 4, Canandaigua 14424 |
| Reliant Community | 3255 County Road 10, Canandaigua 14424 |
| Finger Lakes | 27 Seneca St, Geneva 14456 |
| Canandaigua | 3210 Eastern Blvd, Canandaigua 14424 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ontario County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Ontario County?
Ontario County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Ontario County?
New York has no title-lending law.
Where can I get a small loan in Ontario County?
Options include 27 bank and 13 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 Ontario County?
Fill out our short online form from anywhere in Ontario 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 Ontario County?
Yes. When an unexpected bill comes up, Ontario 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 Ontario County with bad credit?
Yes, many lenders in our network work with Ontario 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.
Where can I get a loan in Ontario County, NY?
You can apply at banks, credit unions and lenders in Ontario 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 Ontario County?
Yes. You don't need to visit a branch or storefront anywhere in Ontario 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.