Loans in Lincoln County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, KS.
The median household in Lincoln County earns $57,500 a year, 23% below the Kansas median of $74,275. About 11% of residents live below the federal poverty line, and 19.6% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lincoln County
Most Lincoln County applicants can finish in one sitting if they have these ready:
- 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 Lincoln County
What Lincoln County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Lincoln 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 Lincoln County
Banks with branches in Lincoln County
4 FDIC-insured bank branches from 4 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 | 1 | 100 W Lincoln Ave, Lincoln 67455 |
| The Bennington State Bank | 1 | 102 N Main St, Sylvan Grove 67481 |
| The Bank of Tescott | 1 | 101 E Lincoln Ave, Lincoln 67455 |
| The Wilson State Bank | 1 | 101 S Main St, Beverly 67423 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln 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 Lincoln 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 Lincoln County?
Options include 4 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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 Lincoln County, KS?
You can apply at banks, credit unions and lenders in Lincoln 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 Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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 Lincoln County?
Yes. You don't need to visit a branch or storefront anywhere in Lincoln 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.