Loans in Miami County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Miami County, KS.
The median household in Miami County earns $89,000 a year, 20% above the Kansas median of $74,275. About 8% of residents live below the federal poverty line, and 21.8% of households rent their home.
What you need for a payday loan in Miami County
Here's what to have on hand before you start your payday loan request in Miami 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 Miami County
What Miami County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Miami 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 Miami County
Banks with branches in Miami County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Option Bank | 4 | 601 Main St, Osawatomie 66064 |
| Landmark National Bank | 3 | 600 Main St, Osawatomie 66064 |
| The First National Bank of Louisburg | 1 | 1201 W Amity St, Louisburg 66053 |
| Great Southern Bank | 1 | 1515 Baptiste Dr, Paola 66071 |
| The First Security Bank | 1 | 29 W Wea St, Paola 66071 |
| TriCentury Bank | 1 | 708 S Webster St, Spring Hill 66083 |
| Security Bank of Kansas City | 1 | 1600 E Peoria St, Paola 66071 |
| The Citizens State Bank and Trust Company | 1 | 408 S Metcalf Rd, Louisburg 66053 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Miami County. The nearest counties with credit unions:
Credit unions in Johnson County
35 credit-union locations from 20 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 6280 W 135Th St, Overland Park 66223 |
| Truity | 11172 S Lone Elm Rd, Olathe 66061 |
| Mazuma | 7260 W 135Th St, Overland Park 66223 |
| Farmers Insurance | 7201 W 75Th St, Overland Park 66204 |
| Azura | 8550 Quivira Rd, Lenexa 66215 |
| Mainstreet | 13001 W 95Th St, Lenexa 66215 |
| Mid American | 9201 W 87Th St, Overland Park 66212 |
| Frontier Community | 18751 S Gardner Rd, Gardner 66030 |
| United Consumers | 1105 W Dennis Ave, Olathe 66061 |
| Public Safety | 7721 W 123Rd St, Overland Park 66213 |
| Nova | 10910 W 87Th St, Lenexa 66214 |
| Santa Barbara Teachers | 10910 W 87Th St, Lenexa 66214 |
Source: NCUA credit union branch data, June 30, 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.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Miami County?
Miami 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 Miami 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 Miami County?
Options include 13 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 Miami County?
Fill out our short online form from anywhere in Miami 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 Miami County?
Yes. You don't need to visit a branch or storefront anywhere in Miami 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 Miami 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. Miami County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Miami County with bad credit?
Yes, many lenders in our network work with Miami 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 an emergency loan in Miami County?
Yes. When an unexpected bill comes up, Miami 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.