Loans in Washington County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Washington County, NY.
The median household in Washington County earns $73,495 a year, 15% below the New York median of $85,974. About 11% of residents live below the federal poverty line, and 23.4% of households rent their home. 12.3% of households have no home internet; our form works on any phone.
What you need for a personal loan in Washington County
Here's what to have on hand before you start your personal loan request in Washington 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 Washington County
What Washington County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Washington 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 Washington County
Banks with branches in Washington County
14 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Arrow Bank National Association | 9 | 25 W Main St, Cambridge 12816 |
| TrustCo Bank | 2 | 3750 Burgoyne Ave, Hudson Falls 12839 |
| TD Bank, National Association | 2 | 146 Main St, Greenwich 12834 |
| Community Bank, National Association | 1 | 92 Main St, Whitehall 12887 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Hudson River Community | 3762 Burgoyne Ave, Hudson Falls 12839 |
| Tct | 17 Gilbert St, Cambridge 12816 |
| Great Meadow | 11627 State Route 22, Comstock 12821 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Washington County?
Washington County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Washington County?
New York has no title-lending law.
Where can I get a small loan in Washington County?
Options include 14 bank and 5 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 Washington County?
Fill out our short online form from anywhere in Washington 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 an emergency loan in Washington County?
Yes. When an unexpected bill comes up, Washington 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 apply for a loan online in Washington County?
Yes. You don't need to visit a branch or storefront anywhere in Washington 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 Washington County, NY?
You can apply at banks, credit unions and lenders in Washington 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 Washington 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. Washington County residents can start any time, and it takes about 3 minutes.