Loans in Elk County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Elk County, KS.
The median household in Elk County earns $64,609 a year, 13% below the Kansas median of $74,275. About 10% of residents live below the federal poverty line, and 21.2% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Elk County
Lenders that serve Elk 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 Elk County
What Elk County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Elk 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 Elk County
Banks with branches in Elk County
4 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Commerce | 2 | 101 S Wabash, Howard 67349 |
| The Howard State Bank, Howard, Kansas | 2 | 100 S Wabash, Howard 67349 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Elk County. The nearest counties with credit unions:
Credit unions in Montgomery County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Great Plains | 123 E Main St, Independence 67301 |
| Skyward | 1 Cessna Blvd, Independence 67301 |
| Kansas Teachers Community | 812 Walnut St, Coffeyville 67337 |
| Co-Operative | 313 W 9Th St, Coffeyville 67337 |
| Peoples Choice | 402 W 12Th St, Coffeyville 67337 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Cowley County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Mid American | 1610 N Summit St, Arkansas City 67005 |
| Ark Valley | 1515 N Summit St, Arkansas City 67005 |
| Panhandle | 1300 E 5Th Ave, Winfield 67156 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Elk County?
Elk 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 Elk 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 Elk County?
Options include 4 bank 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 Elk County?
Fill out our short online form from anywhere in Elk 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 Elk 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. Elk County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Elk County?
Yes. When an unexpected bill comes up, Elk 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 Elk County?
Yes. You don't need to visit a branch or storefront anywhere in Elk 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 a loan in Elk County with bad credit?
Yes, many lenders in our network work with Elk 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.