Loans in Graham County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Graham County, KS.
The median household in Graham County earns $50,650 a year, 32% below the Kansas median of $74,275. About 15% of residents live below the federal poverty line, and 21.2% of households rent their home. 12.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Graham County
Here's what to have on hand before you start your payday loan request in Graham County:
- 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 Graham County
What Graham County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Graham 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 Graham County
Banks with branches in Graham 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 First State Bank | 1 | 101 E Cherry St, Hill City 67642 |
| SOLUTIONS NORTH BANK | 1 | 120 E Main St, Hill City 67642 |
| Outdoor Bank | 1 | 521 W Main St, Hill City 67642 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Graham County. The nearest counties with credit unions:
Credit unions in Norton County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| United Northwest | 912 N Archer Ave, Norton 67654 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Phillips County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 475 State St, Phillipsburg 67661 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Graham County?
Graham 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 Graham 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 Graham County?
Options include 3 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 Graham County?
Fill out our short online form from anywhere in Graham 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 Graham County with bad credit?
Yes, many lenders in our network work with Graham 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.
Where can I get a loan in Graham County, KS?
You can apply at banks, credit unions and lenders in Graham 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 apply for a loan online in Graham County?
Yes. You don't need to visit a branch or storefront anywhere in Graham 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 Graham 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. Graham County residents can start any time, and it takes about 3 minutes.