Loans in Chittenden County, VT: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Chittenden County, VT.
The median household in Chittenden County earns $96,759 a year, 19% above the Vermont median of $81,203. About 10% of residents live below the federal poverty line, and 36.1% of households rent their home.
What you need for a personal loan in Chittenden County
Here's what to have on hand before you start your personal loan request in Chittenden 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 Chittenden County
What Chittenden County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Chittenden 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 Chittenden County
Banks with branches in Chittenden County
55 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank, National Association | 9 | 54 Pearl St, Essex Junction 05452 |
| Manufacturers and Traders Trust Company | 8 | 77 Pine St, Burlington 05401 |
| TD Bank, National Association | 6 | 111 Main St, Burlington 05401 |
| KeyBank National Association | 6 | 149 Bank St, Burlington 05401 |
| Northfield Savings Bank | 6 | 71 Pearl St, Essex Junction 05452 |
| Citizens Bank, National Association | 4 | 1117 Shelburne Rd, South Burlington 05403 |
| NBT Bank, National Association | 4 | 150 Bank St, Burlington 05401 |
| Mascoma Bank | 3 | 1185 Shelburne Rd, South Burlington 05403 |
| Union Bank | 3 | 368 Vermont Route 15, Jericho 05465 |
| JPMorgan Chase Bank, National Association | 3 | 1 Church St, Burlington 05401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Chittenden County
23 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Eastrise | 141 Harvest Ln, Williston 05495 |
| North Country | 69 Swift St, S Burlington 05403 |
| Vermont | 84 Pine St, Burlington 05401 |
| Sea Comm | 1680 Shelburne Rd, South Burlington 05403 |
| 802 | 50 White St, South Burlington 05403 |
| One | 1 Market Pl, Essex Junction 05452 |
| Green Mountain | 1250 Shelburne Rd, South Burlington 05403 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Chittenden County
All Vermont counties and cities
Frequently asked questions
Are payday loans legal in Chittenden County?
Chittenden County follows Vermont law. Payday loans are banned in Vermont.
Are title loans legal in Chittenden 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 Chittenden County?
Options include 55 bank and 23 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 Chittenden County?
Fill out our short online form from anywhere in Chittenden 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 Chittenden 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. Chittenden County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Chittenden County with bad credit?
Yes, many lenders in our network work with Chittenden 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 Chittenden County, VT?
You can apply at banks, credit unions and lenders in Chittenden 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 Chittenden County?
Yes. When an unexpected bill comes up, Chittenden 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.