Loans in Clay County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, KS.
The median household in Clay County earns $66,176 a year, 11% below the Kansas median of $74,275. About 13% of residents live below the federal poverty line, and 22.0% of households rent their home.
What you need for a payday loan in Clay County
Lenders that serve Clay County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Clay County
What Clay County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Clay County
Payday Loans Legal
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Personal Loans
36% a year cap on closed-end consumer loans; open-end credit uncapped.
Title Loans Legal
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the…
Banks and credit unions in Clay County
Banks with branches in Clay County
8 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Riley State Bank of Riley, Kansas | 2 | 711 Elm St, Wakefield 67487 |
| United Bank & Trust | 2 | 502 Lincoln Ave, Clay Center 67432 |
| Union State Bank | 2 | 701 5th St, Clay Center 67432 |
| GNBank, National Association | 1 | 624 W Crawford St, Clay Center 67432 |
| The Citizens National Bank | 1 | 615 Court St, Clay Center 67432 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clay County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| C & R | 801 5Th St, Clay Center 67432 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay County follows Kansas law. Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Are title loans legal in Clay County?
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the parties agree to.
Where can I get a small loan in Clay County?
Options include 8 bank and 1 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 Clay County?
Fill out our short online form from anywhere in Clay County. We share it with lenders in our network that serve Kansas; 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 Clay County?
Yes. When an unexpected bill comes up, Clay 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.
Where can I get a loan in Clay County, KS?
You can apply at banks, credit unions and lenders in Clay 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 Kansas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Clay County with bad credit?
Yes, many lenders in our network work with Clay 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.
Can I apply for a loan online in Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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 Kansas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.