Loans in Queens County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Queens County, NY.
The median household in Queens County earns $86,136 a year, about the same as the New York median of $85,974. About 13% of residents live below the federal poverty line, and 55.1% of households rent their home.
What you need for a personal loan in Queens County
Here's what to have on hand before you start your personal loan request in Queens 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 Queens County
What Queens County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Queens 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 Queens County
Banks with branches in Queens County
348 FDIC-insured bank branches from 52 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 66 | 4122 Bell Blvd, Bayside 11361 |
| TD Bank, National Association | 32 | 3104 Ditmars Blvd, Astoria 11105 |
| Flagstar Bank, National Association | 26 | 10408 Rockaway Beach Blvd, Rockaway Park 11694 |
| Citibank, National Association | 25 | 16848 Hillside Ave, Jamaica 11432 |
| Bank of America, National Association | 24 | 231 Beach 20th St, Far Rockaway 11691 |
| Santander Bank, N.A. | 20 | 6020 Woodside Ave, Woodside 11377 |
| Capital One, National Association | 14 | 9525 Queens Blvd, Rego Park 11374 |
| Citizens Bank, National Association | 13 | 3101 Broadway, Astoria 11106 |
| Ridgewood Savings Bank | 11 | 7102 Forest Ave, Ridgewood 11385 |
| OceanFirst Bank, National Association | 11 | 6114 Springfield Blvd, Bayside 11364 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Queens County
40 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | Laguardia Airport Hangar 3 Room 122, Flushing 11371 |
| Medisys Employees | 8900 Van Wyck Expy, Jamaica 11418 |
| Municipal | 13466 Springfield Blvd, Springfield Gardens 11413 |
| Fourleaf | 4721 Queens Blvd, Sunnyside 11104 |
| United Nations | 2401 44Th Rd, Long Island City 11101 |
| Polish & Slavic | 6614 Grand Ave, Maspeth 11378 |
| People'S Alliance | The Greater Allen Cathedral Of New York, Jamaica 11433 |
| Self Reliance Financial | 3201 31St Ave, Astoria 11106 |
| Qside | 21131 Jamaica Ave, Queens Village 11428 |
| N Y Team | 9359 183Rd St, Hollis 11423 |
| New York Times Employees | 1 New York Times Plz, Flushing 11354 |
| Triboro Postal | 14202 20Th Ave, Flushing 11351 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Queens County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Queens County?
Queens County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Queens County?
New York has no title-lending law.
Where can I get a small loan in Queens County?
Options include 348 bank and 40 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 Queens County?
Fill out our short online form from anywhere in Queens 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 Queens County?
Yes. You don't need to visit a branch or storefront anywhere in Queens 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 a loan in Queens County with bad credit?
Yes, many lenders in our network work with Queens 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 an emergency loan in Queens County?
Yes. When an unexpected bill comes up, Queens 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 Queens 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. Queens County residents can start any time, and it takes about 3 minutes.