Loans in Clay County, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, MO.
The median household in Clay County earns $88,468 a year, 25% above the Missouri median of $70,702. About 8% of residents live below the federal poverty line, and 30.5% of households rent their home.
What you need for a payday loan in Clay County
Here's what to have on hand before you start your payday loan request in Clay 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 Clay County
What Clay County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Clay County
Payday Loans Legal
Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Personal Loans
No rate cap: licensed lenders may charge rates agreed by the parties.
Title Loans Legal
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Banks and credit unions in Clay County
Banks with branches in Clay County
65 FDIC-insured bank branches from 26 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Central Trust Bank | 9 | 445 E Us Highway 69, Kansas City 64119 |
| Security Bank of Kansas City | 4 | 1304 S 169 Us Highway, Smithville 64089 |
| Academy Bank, National Association | 4 | 950 W 92 Hwy, Kearney 64060 |
| Commerce Bank | 4 | 1 Liberty Bell Cir, Liberty 64068 |
| Verimore Bank | 4 | 1178 W Kansas St, Liberty 64068 |
| U.S. Bank National Association | 3 | 200 Ne Vivion Rd, Kansas City 64118 |
| UMB Bank, National Association | 3 | 1 Victory Dr, Liberty 64068 |
| Southern Bank | 3 | 100 Northeast State Highway 92, Smithville 64089 |
| Bank of America, National Association | 3 | 700 S State Route 291, Liberty 64068 |
| BMO Bank National Association | 3 | 850 S State Route 291, Liberty 64068 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clay County
13 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 5400 N Antioch Rd, Kansas City 64119 |
| Mazuma | 301 Nw Englewood Rd, Gladstone 64118 |
| Mainstreet | 8451 N Madison Ave, Kansas City 64155 |
| Public Safety | 8320 N Brighton Ave, Kansas City 64119 |
| Missouri Central | 5090 N Oak Trfy, Kansas City 64118 |
| Csd | 6604 N Oak Trfy, Gladstone 64118 |
| Kansas City | 7245 N Oak Trfy, Gladstone 64118 |
| Burlington Northtown Community | 1002 Swift Ave, North Kansas City 64116 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clay County
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay County follows Missouri law. Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Are title loans legal in Clay County?
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Where can I get a small loan in Clay County?
Options include 65 bank and 13 credit-union 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 Clay County?
Fill out our short online form from anywhere in Clay County. We share it with lenders in our network that serve Missouri; 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 Clay County with bad credit?
Yes, many lenders in our network work with Clay 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 Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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 Missouri. 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 Clay County?
Yes. When an unexpected bill comes up, Clay 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 Clay 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. Clay County residents can start any time, and it takes about 3 minutes.