Loans in Caledonia County, VT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Caledonia County, VT.
The median household in Caledonia County earns $69,970 a year, 14% below the Vermont median of $81,203. About 12% of residents live below the federal poverty line, and 20.8% of households rent their home. 11.1% of households have no home internet; our form works on any phone.
What you need for a personal loan in Caledonia County
Lenders that serve Caledonia 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 Caledonia County
What Caledonia County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Caledonia County
Payday Loans Not available
Payday loans are banned in Vermont.
Personal Loans
24% on first $1,000, 12% above (or 18% APR if higher).
Title Loans Not available
High-cost car title loans are not available in Vermont: vehicle-secured loans are capped at 18% a year (current and prior model year vehicles) or 20% (older vehicles), and any…
Banks and credit unions in Caledonia County
Banks with branches in Caledonia County
13 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Passumpsic Savings Bank | 4 | 53 Route 2 W, Danville 05828 |
| Union Bank | 4 | 364 Railroad Street, Saint Johnsbury 05819 |
| Community Bank, National Association | 2 | 84 Vermont Route 15 W, Hardwick 05843 |
| Community National Bank | 2 | 857 Memorial Dr, Saint Johnsbury 05819 |
| TD Bank, National Association | 1 | 301 Railroad St, Saint Johnsbury 05819 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Caledonia County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Eastrise | 1036 Memorial Dr, St Johnsbury 05819 |
| North Country | 854 Center Street, Lyndonville 05851 |
| Northern Lights | 1004 Memorial Dr, Saint Johnsbury 05819 |
Source: NCUA credit union branch data, June 30, 2026.
All Vermont counties and cities
Frequently asked questions
Are payday loans legal in Caledonia County?
Caledonia County follows Vermont law. Payday loans are banned in Vermont.
Are title loans legal in Caledonia County?
High-cost car title loans are not available in Vermont: vehicle-secured loans are capped at 18% a year (current and prior model year vehicles) or 20% (older vehicles), and any lender must be licensed by DFR.
Where can I get a small loan in Caledonia County?
Options include 13 bank and 3 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 Caledonia County?
Fill out our short online form from anywhere in Caledonia County. We share it with lenders in our network that serve Vermont; 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 Caledonia 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. Caledonia County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Caledonia County with bad credit?
Yes, many lenders in our network work with Caledonia 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.
Where can I get a loan in Caledonia County, VT?
You can apply at banks, credit unions and lenders in Caledonia 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 Vermont 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 Caledonia County?
Yes. When an unexpected bill comes up, Caledonia 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.