Loans in Ellis County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ellis County, KS.
The median household in Ellis County earns $63,084 a year, 15% below the Kansas median of $74,275. About 18% of residents live below the federal poverty line, and 36.8% of households rent their home.
What you need for a payday loan in Ellis County
Lenders that serve Ellis 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 Ellis County
What Ellis County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Ellis 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 Ellis County
Banks with branches in Ellis County
14 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Sunflower Bank, National Association | 3 | 1010 E 27th St, Hays 67601 |
| Equity Bank | 2 | 916 Washington St, Ellis 67637 |
| Golden Belt Bank, FSA | 2 | 1100 E 27th St, Hays 67601 |
| Astra Bank | 1 | 2605 Main Street, Hays 67601 |
| Commerce Bank | 1 | 2200 Vine St, Hays 67601 |
| Bank of Hays | 1 | 1000 W 27th St, Hays 67601 |
| Emprise Bank | 1 | 1011 E 27th St, Hays 67601 |
| First Kansas Bank | 1 | 1200 E 27th St, Hays 67601 |
| The Bank | 1 | 408 Main St, Victoria 67671 |
| Central National Bank | 1 | 2604 General Hays Rd, Hays 67601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ellis County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of America | 2500 Vine St, Hays 67601 |
| Golden Plains | 2720 Broadway Ave, Hays 67601 |
| Heartland | 2825 Plaza Ave, Hays 67601 |
| Ellis | 1019 Washington St, Ellis 67637 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ellis County
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Ellis County?
Ellis 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 Ellis 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 Ellis County?
Options include 14 bank and 4 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 Ellis County?
Fill out our short online form from anywhere in Ellis 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.
Where can I get a loan in Ellis County, KS?
You can apply at banks, credit unions and lenders in Ellis 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 an emergency loan in Ellis County?
Yes. When an unexpected bill comes up, Ellis 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 get a loan in Ellis County with bad credit?
Yes, many lenders in our network work with Ellis 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 get a loan in Ellis 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. Ellis County residents can start any time, and it takes about 3 minutes.