Loans in Orleans County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Orleans County, NY.
The median household in Orleans County earns $65,969 a year, 23% below the New York median of $85,974. About 13% of residents live below the federal poverty line, and 22.8% of households rent their home.
What you need for a personal loan in Orleans County
Here's what to have on hand before you start your personal loan request in Orleans 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 Orleans County
What Orleans County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Orleans 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 Orleans County
Banks with branches in Orleans County
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| KeyBank National Association | 3 | 48 N Main St, Albion 14411 |
| Five Star Bank | 2 | 102 N Main St, Albion 14411 |
| Manufacturers and Traders Trust Company | 1 | 3 S Main St, Lyndonville 14098 |
| Tompkins Bank & Trust | 1 | 1410 S Main St, Medina 14103 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Orleans County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Esl | 11182 Maple Ridge Rd, Medina 14103 |
| Ontario Shores | 4200 Salt Works Rd, Medina 14103 |
| Cobblestone Country | 299 West Ave, Albion 14411 |
Source: NCUA credit union branch data, June 30, 2026.
All New York counties and cities
Frequently asked questions
Are payday loans legal in Orleans County?
Orleans County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Orleans County?
New York has no title-lending law.
Where can I get a small loan in Orleans County?
Options include 7 bank and 3 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 Orleans County?
Fill out our short online form from anywhere in Orleans 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 Orleans County with bad credit?
Yes, many lenders in our network work with Orleans 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 get a loan in Orleans 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. Orleans County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Orleans County?
Yes. You don't need to visit a branch or storefront anywhere in Orleans 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 Orleans County, NY?
You can apply at banks, credit unions and lenders in Orleans 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.