Loans in Richmond County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richmond County, NY.
The median household in Richmond County earns $98,333 a year, 14% above the New York median of $85,974. About 12% of residents live below the federal poverty line, and 32.3% of households rent their home.
What you need for a personal loan in Richmond County
Lenders that serve Richmond 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 Richmond County
What Richmond County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Richmond 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 Richmond County
Banks with branches in Richmond County
89 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Flagstar Bank, National Association | 14 | 1785 Victory Blvd, Staten Island 10314 |
| Santander Bank, N.A. | 13 | 1837 Victory Blvd, Staten Island 10314 |
| Columbia Bank | 12 | 4142 Hylan Blvd, Staten Island 10308 |
| JPMorgan Chase Bank, National Association | 12 | 200 New Dorp Ln, Staten Island 10306 |
| TD Bank, National Association | 7 | 1540 Hylan Blvd, Staten Island 10305 |
| Citibank, National Association | 6 | 1492 Hylan Blvd, Staten Island 10305 |
| Citizens Bank, National Association | 5 | 1200 Forest Ave, Staten Island 10310 |
| Empire State Bank | 4 | 1441 South Ave, Staten Island 10314 |
| Manufacturers and Traders Trust Company | 4 | 1591 Richmond Rd, Staten Island 10304 |
| Bank of America, National Association | 4 | 2196 Forest Ave, Staten Island 10303 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richmond County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Municipal | 2626 Hylan Blvd, Staten Island 10306 |
| Polish & Slavic | 1919 Hylan Blvd, Staten Island 10305 |
| Lower East Side People'S | 2 St Pauls Ave, Staten Island 10301 |
| Division 726 | 4886 Arthur Kill Rd, Staten Island 10309 |
| Medical Employees Of Staten Island | 355 Bard Ave, Staten Island 10310 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Richmond County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Richmond County?
Richmond County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Richmond County?
New York has no title-lending law.
Where can I get a small loan in Richmond County?
Options include 89 bank and 6 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 Richmond County?
Fill out our short online form from anywhere in Richmond 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 Richmond 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. Richmond County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Richmond County?
Yes. You don't need to visit a branch or storefront anywhere in Richmond 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 Richmond County, NY?
You can apply at banks, credit unions and lenders in Richmond 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 an emergency loan in Richmond County?
Yes. When an unexpected bill comes up, Richmond 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.