Loans in Mitchell County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mitchell County, KS.
The median household in Mitchell County earns $64,246 a year, 14% below the Kansas median of $74,275. About 12% of residents live below the federal poverty line, and 31.0% of households rent their home.
What you need for a payday loan in Mitchell County
Most Mitchell 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 Mitchell County
What Mitchell County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Mitchell 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 Mitchell County
Banks with branches in Mitchell County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guaranty State Bank and Trust Company | 3 | 201 S Mill St, Beloit 67420 |
| The Bank of Tescott | 1 | 101 E Main St, Beloit 67420 |
| Farmers and Merchants Bank | 1 | 719 Wisconsin St, Cawker City 67430 |
| Central National Bank | 1 | 120 E Main St, Beloit 67420 |
| First National Bank and Trust | 1 | 3011 Us 24 Hwy, Beloit 67420 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mitchell County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Farmway | 200 S Hersey Ave, Beloit 67420 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Mitchell County?
Mitchell 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 Mitchell 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 Mitchell County?
Options include 7 bank and 2 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 Mitchell County?
Fill out our short online form from anywhere in Mitchell 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 Mitchell County with bad credit?
Yes, many lenders in our network work with Mitchell 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 Mitchell County?
Yes. When an unexpected bill comes up, Mitchell 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.
Where can I get a loan in Mitchell County, KS?
You can apply at banks, credit unions and lenders in Mitchell 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 Mitchell County?
Yes. You don't need to visit a branch or storefront anywhere in Mitchell 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.