Loans in Putnam County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, NY.
The median household in Putnam County earns $126,257 a year, 47% above the New York median of $85,974. About 7% of residents live below the federal poverty line, and 16.2% of households rent their home.
What you need for a personal loan in Putnam County
Most Putnam 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 Putnam County
What Putnam County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Putnam 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 Putnam County
Banks with branches in Putnam County
23 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Putnam County National Bank of Carmel | 5 | 43 Gleneida Ave, Carmel 10512 |
| Tompkins Bank & Trust | 4 | 630 Route 6, Mahopac 10541 |
| Beacon Bank and Trust | 3 | 2477 Route 6, Brewster 10509 |
| KeyBank National Association | 3 | 1505 Route 22, Brewster 10509 |
| JPMorgan Chase Bank, National Association | 2 | 700 Clock Tower Cmns, Brewster 10509 |
| Manufacturers and Traders Trust Company | 2 | 40 Chestnut St, Cold Spring 10516 |
| Wells Fargo Bank, National Association | 2 | 41 Chestnut St, Cold Spring 10516 |
| TD Bank, National Association | 1 | 96 Gleneida Ave, Carmel 10512 |
| TrustCo Bank | 1 | 945 S Lake Blvd, Mahopac 10541 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Putnam County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Hudson Valley | Lakeview Shopping Plaza, Brewster 10509 |
| Yonkers Teachers | 12 Hilda Dr, Mahopac 10541 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Putnam County?
Putnam County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Putnam County?
New York has no title-lending law.
Where can I get a small loan in Putnam County?
Options include 23 bank and 4 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 Putnam County?
Fill out our short online form from anywhere in Putnam 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 apply for a loan online in Putnam County?
Yes. You don't need to visit a branch or storefront anywhere in Putnam 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 Putnam County, NY?
You can apply at banks, credit unions and lenders in Putnam 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 Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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 Putnam 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. Putnam County residents can start any time, and it takes about 3 minutes.