Loans in Stevens County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stevens County, KS.
The median household in Stevens County earns $64,178 a year, 14% below the Kansas median of $74,275. About 14% of residents live below the federal poverty line, and 25.5% of households rent their home.
What you need for a payday loan in Stevens County
Here's what to have on hand before you start your payday loan request in Stevens 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 Stevens County
What Stevens County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Stevens 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 Stevens County
Banks with branches in Stevens 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 Citizens State Bank | 1 | 601 S Main St, Hugoton 67951 |
| Equity Bank | 1 | 502 S Jackson St, Hugoton 67951 |
| Dream First Bank, National Association | 1 | 627 S Main St, Hugoton 67951 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Stevens County. The nearest counties with credit unions:
Credit unions in Grant County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 112 E Grant Ave, Ulysses 67880 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Seward County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Golden Plains | 21 Medical Dr, Liberal 67901 |
Source: NCUA credit union branch data, June 30, 2026.
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Stevens County?
Stevens 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 Stevens 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 Stevens 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 Stevens County?
Fill out our short online form from anywhere in Stevens 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 Stevens County, KS?
You can apply at banks, credit unions and lenders in Stevens 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 Stevens 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. Stevens County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Stevens County?
Yes. When an unexpected bill comes up, Stevens 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 Stevens County with bad credit?
Yes, many lenders in our network work with Stevens 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.