Loans in Franklin County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, KS.
The median household in Franklin County earns $77,207 a year, about the same as the Kansas median of $74,275. About 9% of residents live below the federal poverty line, and 27.8% of households rent their home. 10.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Franklin County
Lenders that serve Franklin 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 Franklin County
What Franklin County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
13 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Kansas State Bank | 2 | 236 N Main St, Ottawa 66067 |
| Goppert State Service Bank | 2 | 118 E Franklin St, Pomona 66076 |
| Patriots Bank | 2 | 1508 Highway 59, Princeton 66078 |
| Arvest Bank | 1 | 119 E 3rd St, Ottawa 66067 |
| Landmark National Bank | 1 | 112 W 6th St, Wellsville 66092 |
| BMO Bank National Association | 1 | 700 S Main St, Ottawa 66067 |
| Mid-America Bank | 1 | 1008 Poplar St, Wellsville 66092 |
| Great Southern Bank | 1 | 2040 S Princeton St, Ottawa 66067 |
| NBH Bank | 1 | 434 S Main St, Ottawa 66067 |
| Oakstar Bank | 1 | 226 W 23rd St, Ottawa 66067 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Azura | 124 E 19Th St, Ottawa 66067 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Franklin County
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin 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 Franklin 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 Franklin County?
Options include 13 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 apply for a loan online in Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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 Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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 Franklin 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. Franklin County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Franklin County?
Yes. When an unexpected bill comes up, Franklin 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.