Loans in Scott County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, KS.
The median household in Scott County earns $68,839 a year, 7% below the Kansas median of $74,275. About 6% of residents live below the federal poverty line, and 32.8% of households rent their home.
What you need for a payday loan in Scott County
Here's what to have on hand before you start your payday loan request in Scott 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 Scott County
What Scott County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Scott City | 1 | 501 S Main St, Scott City 67871 |
| Security State Bank | 1 | 506 S Main St, Scott City 67871 |
| The Western State Bank | 1 | 1425 S Main St, Scott City 67871 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Scott County. The nearest counties with credit unions:
Credit unions in Finney County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 1714 E Kansas Ave, Garden City 67846 |
| Garden City Teachers | 1601 E Kansas Plz, Garden City 67846 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Gove County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 400 Highway 212, Quinter 67752 |
| Tri-County | 107 S Adams, Grinnell 67738 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Scott County?
Scott 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 Scott 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 Scott County?
Options include 3 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 Scott County?
Fill out our short online form from anywhere in Scott 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 Scott County with bad credit?
Yes, many lenders in our network work with Scott 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.
Where can I get a loan in Scott County, KS?
You can apply at banks, credit unions and lenders in Scott 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 Scott 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. Scott County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Scott County?
Yes. You don't need to visit a branch or storefront anywhere in Scott 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.