Loans in Osage County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Osage County, KS.
The median household in Osage County earns $74,467 a year, about the same as the Kansas median of $74,275. About 10% of residents live below the federal poverty line, and 17.6% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Osage County
Most Osage 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 Osage County
What Osage County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Osage 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 Osage County
Banks with branches in Osage County
11 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Kansas State Bank Overbrook Kansas | 2 | 400 Maple St, Overbrook 66524 |
| The First Security Bank | 2 | 312 Maple St, Overbrook 66524 |
| The Lyndon State Bank | 2 | 817 Topeka Ave, Lyndon 66451 |
| The Bennington State Bank | 2 | 115 S Topeka Ave, Burlingame 66413 |
| Landmark National Bank | 1 | 102 S 6th St, Osage City 66523 |
| First National Bank of Kansas | 1 | 18 Main St, Osage City 66523 |
| The Citizens State Bank | 1 | 1400 Topeka Ave, Lyndon 66451 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Osage County. The nearest counties with credit unions:
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.
Credit unions in Shawnee County
23 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Communication | 1015 Sw Wanamaker Rd, Topeka 66604 |
| Azura | 610 Sw 10Th Ave, Topeka 66612 |
| Envista | 3626 Sw Wanamaker Rd, Topeka 66614 |
| Empower Blue | 1010 Sw Tyler St, Topeka 66612 |
| 1St Kansas | 400 S Kansas Ave Ste B, Topeka 66603 |
| Topeka Police | 320 S Kansas Ave Ste 100, Topeka 66603 |
| Topeka Firemen'S | 2447 Se 29Th St, Topeka 66605 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Osage County?
Osage 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 Osage 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 Osage County?
Options include 11 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 Osage County?
Fill out our short online form from anywhere in Osage 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 Osage County?
Yes. You don't need to visit a branch or storefront anywhere in Osage 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 an emergency loan in Osage County?
Yes. When an unexpected bill comes up, Osage 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 get a loan in Osage 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. Osage County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Osage County, KS?
You can apply at banks, credit unions and lenders in Osage 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.