Loans in Ellsworth County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ellsworth County, KS.
The median household in Ellsworth County earns $65,560 a year, 12% below the Kansas median of $74,275. About 10% of residents live below the federal poverty line, and 19.8% of households rent their home.
What you need for a payday loan in Ellsworth County
Lenders that serve Ellsworth 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 Ellsworth County
What Ellsworth County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Ellsworth 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 Ellsworth County
Banks with branches in Ellsworth County
6 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens State Bank and Trust Co., Ellsworth, Kansas | 2 | 203 N Douglas Ave, Ellsworth 67439 |
| Bank of Holyrood | 1 | 100 S Main St, Holyrood 67450 |
| The Wilson State Bank | 1 | 422 26th St, Wilson 67490 |
| First Bank Kansas | 1 | 1500 Aylward Ave, Ellsworth 67439 |
| Lyons Federal Bank | 1 | 120 W 2nd St, Ellsworth 67439 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Ellsworth County. The nearest counties with credit unions:
Credit unions in Lincoln County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Farmway | 113 E Lincoln Ave, Lincoln 67455 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Saline County
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of America | 582 S Ohio St, Salina 67401 |
| Great Plains | 2061 S Ohio St, Salina 67401 |
| Salina Interparochial | 1927 S Ohio Ct, Salina 67401 |
| Central Kansas Education | 1101 S Ohio St Ste D, Salina 67401 |
| Salina Municipal | 1939B S Ohio Ct, Salina 67401 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Ellsworth County?
Ellsworth 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 Ellsworth 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 Ellsworth County?
Options include 6 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 Ellsworth County?
Fill out our short online form from anywhere in Ellsworth 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 Ellsworth County?
Yes. When an unexpected bill comes up, Ellsworth 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 Ellsworth County with bad credit?
Yes, many lenders in our network work with Ellsworth 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 Ellsworth 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. Ellsworth County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Ellsworth County, KS?
You can apply at banks, credit unions and lenders in Ellsworth 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.