Loans in St. Lawrence County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Lawrence County, NY.
The median household in St. Lawrence County earns $62,850 a year, 27% below the New York median of $85,974. About 17% of residents live below the federal poverty line, and 28.1% of households rent their home.
What you need for a personal loan in St. Lawrence County
Most St. Lawrence 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 St. Lawrence County
What St. Lawrence County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in St. Lawrence 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 St. Lawrence County
Banks with branches in St. Lawrence County
27 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank, National Association | 8 | 80 Main St, Canton 13617 |
| KeyBank National Association | 4 | 62 Church St, Gouverneur 13642 |
| The North Country Savings Bank | 4 | 127 Main St, Canton 13617 |
| NBT Bank, National Association | 4 | 6554 State Highway 56, Potsdam 13676 |
| The Citizens National Bank of Hammond | 2 | 19 Main St, Hammond 13646 |
| Massena Savings and Loan | 2 | 255 Main St, Massena 13662 |
| The Upstate National Bank | 1 | 729 Proctor Ave, Ogdensburg 13669 |
| Gouverneur Savings and Loan Association | 1 | 42 Church St, Gouverneur 13642 |
| GS&L Municipal Bank | 1 | 42 Church St, Gouverneur 13642 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Lawrence County
15 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Sea Comm | 101 E Main St, Canton 13617 |
| Northern | 145 E Main St, Gouverneur 13642 |
| Saint Lawrence | 800 Commerce Park Dr, Ogdensburg 13669 |
| Adirondack Regional | 166 Market St, Potsdam 13676 |
| Twin Rivers | 23 Phillips St, Massena 13662 |
| Ed-Med | 601 Ford St, Ogdensburg 13669 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Lawrence County
All New York counties and cities
Frequently asked questions
Are payday loans legal in St. Lawrence County?
St. Lawrence County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in St. Lawrence County?
New York has no title-lending law.
Where can I get a small loan in St. Lawrence County?
Options include 27 bank and 15 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 St. Lawrence County?
Fill out our short online form from anywhere in St. Lawrence 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 St. Lawrence 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. St. Lawrence County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in St. Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in St. Lawrence 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 an emergency loan in St. Lawrence County?
Yes. When an unexpected bill comes up, St. Lawrence 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 St. Lawrence County with bad credit?
Yes, many lenders in our network work with St. Lawrence 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.