Loans in Decatur County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Decatur County, KS.
The median household in Decatur County earns $53,870 a year, 27% below the Kansas median of $74,275. About 13% of residents live below the federal poverty line, and 22.3% of households rent their home.
What you need for a payday loan in Decatur County
Lenders that serve Decatur 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 Decatur County
What Decatur County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Decatur 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 Decatur County
Banks with branches in Decatur County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank | 1 | 205 S Penn Ave, Oberlin 67749 |
| FNB Bank | 1 | 101 N Penn Ave, Oberlin 67749 |
| Farmers Bank & Trust | 1 | 202 S Penn Ave, Oberlin 67749 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Decatur County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| United Northwest | 117 S Penn Ave, Oberlin 67749 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Decatur County?
Decatur 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 Decatur 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 Decatur County?
Options include 3 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 Decatur County?
Fill out our short online form from anywhere in Decatur 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 a loan in Decatur 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. Decatur County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Decatur County?
Yes. You don't need to visit a branch or storefront anywhere in Decatur 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.
Can I get an emergency loan in Decatur County?
Yes. When an unexpected bill comes up, Decatur 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 Decatur County, KS?
You can apply at banks, credit unions and lenders in Decatur 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.