Loans in Rice County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Rice County, KS.
The median household in Rice County earns $63,925 a year, 14% below the Kansas median of $74,275. About 8% of residents live below the federal poverty line, and 22.6% of households rent their home.
What you need for a payday loan in Rice County
Most Rice 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 Rice County
What Rice County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Rice 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 Rice County
Banks with branches in Rice County
8 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank | 3 | 201 East Ave S, Lyons 67554 |
| Peoples Bank and Trust Company | 2 | 101 E Main St, Lyons 67554 |
| Lyons Federal Bank | 2 | 200 East Ave S, Lyons 67554 |
| Bank of the Plains | 1 | 124 N Broadway Ave, Sterling 67579 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Rice County. The nearest counties with credit unions:
Credit unions in Reno County
25 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Memphis Municipal Employees | 3500 E Avenue G, Hutchinson 67501 |
| Credit Union Of America | 2616 N Main St, Hutchinson 67502 |
| Envista | 1803 N Lorraine St, Hutchinson 67502 |
| Heartland | 900 E 23Rd Ave, Hutchinson 67502 |
| Dillon | 2704 N Lorraine St, Hutchinson 67502 |
| Mid-Kansas | 200 W 2Nd Ave, Buhler 67522 |
| Catholic Family | 906 N Halstead St, Hutchinson 67501 |
| Bell | 1601 N Lorraine St, Hutchinson 67501 |
| Hutchinson Government Employees | 121 E Avenue A, Hutchinson 67501 |
| Local Union 1186 Ibew | 906 N Halstead St, Hutchinson 67501 |
| Morton | 121 Morton Dr, South Hutchinson 67505 |
| Hutchinson Postal & Community | 2306 N Main St, Hutchinson 67502 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in McPherson County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Great Plains | 720 N Main St, Mcpherson 67460 |
| Mid-Kansas | Po Box 608, Moundridge 67107 |
| Mcpherson Co-Op | 1999 S Main St, Mcpherson 67460 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Rice County?
Rice 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 Rice 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 Rice County?
Options include 8 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 Rice County?
Fill out our short online form from anywhere in Rice 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 Rice County?
Yes. You don't need to visit a branch or storefront anywhere in Rice 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 Rice County with bad credit?
Yes, many lenders in our network work with Rice 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 Rice 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. Rice County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Rice County?
Yes. When an unexpected bill comes up, Rice 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.