Loans in Smith County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Smith County, KS.
The median household in Smith County earns $59,135 a year, 20% below the Kansas median of $74,275. About 7% of residents live below the federal poverty line, and 15.2% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Smith County
Most Smith 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 Smith County
What Smith County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Smith 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 Smith County
Banks with branches in Smith County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guaranty State Bank and Trust Company | 2 | 133 S Main St, Smith Center 66967 |
| Farmers National Bank | 1 | 133 S Main St, Kensington 66951 |
| The Peoples Bank | 1 | 136 S Main St, Smith Center 66967 |
| First National Bank and Trust | 1 | 206 W Highway 36, Smith Center 66967 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Smith County. The nearest counties with credit unions:
Credit unions in Phillips County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 475 State St, Phillipsburg 67661 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Jewell County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Farmway | 102 N Commercial St, Mankato 66956 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Smith County?
Smith 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 Smith 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 Smith County?
Options include 5 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 Smith County?
Fill out our short online form from anywhere in Smith 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 Smith County with bad credit?
Yes, many lenders in our network work with Smith 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 apply for a loan online in Smith County?
Yes. You don't need to visit a branch or storefront anywhere in Smith 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 Smith 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. Smith County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Smith County?
Yes. When an unexpected bill comes up, Smith 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.