Loans in Montgomery County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, KS.
The median household in Montgomery County earns $55,697 a year, 25% below the Kansas median of $74,275. About 16% of residents live below the federal poverty line, and 27.1% of households rent their home. 10.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Montgomery County
Most Montgomery 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 Montgomery County
What Montgomery County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Montgomery 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 Montgomery County
Banks with branches in Montgomery County
14 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community National Bank & Trust | 5 | 125 N Penn Ave, Independence 67301 |
| FirstOak Bank | 2 | 113 N Penn Ave, Independence 67301 |
| Commercial Bank | 2 | 501 N Penn Ave, Independence 67301 |
| Equity Bank | 2 | 112 E Myrtle St, Independence 67301 |
| RCB Bank | 1 | 301 W 4th Ave, Caney 67333 |
| The Peoples State Bank | 1 | 200 W Main St, Cherryvale 67335 |
| SOLUTIONS NORTH BANK | 1 | 1414 W 11th St, Coffeyville 67337 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Montgomery County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Great Plains | 123 E Main St, Independence 67301 |
| Skyward | 1 Cessna Blvd, Independence 67301 |
| Kansas Teachers Community | 812 Walnut St, Coffeyville 67337 |
| Co-Operative | 313 W 9Th St, Coffeyville 67337 |
| Peoples Choice | 402 W 12Th St, Coffeyville 67337 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 14 bank and 8 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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.
Where can I get a loan in Montgomery County, KS?
You can apply at banks, credit unions and lenders in Montgomery 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 a loan in Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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 Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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.