Payday loans in Hays, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hays, KS.
The median household in Hays earns $58,459 a year, 21% below the Kansas median of $74,275. About 20% of residents live below the federal poverty line, and 41.5% of households rent their home. When an unexpected bill hits before payday, Hays residents can request $100 to $1,000 online in minutes.
Kansas law that applies in Hays
| Maximum loan | $500 cash advance. |
|---|---|
| Fee cap | 15% of the amount of the cash advance. |
| Rollovers | A payday loan may not be repaid with the proceeds of another payday loan from the same lender or a related business. |
| Loans at once | No more than 2 loans outstanding with the same lender (and related businesses) at once, and no more than 3 loans from one lender in any 30-day period. |
| Payment plan | Yes, once every 12 months. |
Full rules with statute citations: Payday Loans in Kansas. Cities in Kansas cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Hays
Lenders that serve Hays typically ask for the following:
- 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 Hays
What Hays borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Hays
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Kansas.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Kansas does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Hays
10 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Sunflower Bank, National Association | 2 | 1010 E 27th St, Hays 67601 |
| Astra Bank | 1 | 2605 Main Street, Hays 67601 |
| Commerce Bank | 1 | 2200 Vine St, Hays 67601 |
| Bank of Hays | 1 | 1000 W 27th St, Hays 67601 |
| Golden Belt Bank, FSA | 1 | 1100 E 27th St, Hays 67601 |
| Emprise Bank | 1 | 1011 E 27th St, Hays 67601 |
| First Kansas Bank | 1 | 1200 E 27th St, Hays 67601 |
| Equity Bank | 1 | 2428 Vine St, Hays 67601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hays
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of America | 2500 Vine St, Hays 67601 |
| Golden Plains | 2720 Broadway Ave, Hays 67601 |
| Heartland | 2825 Plaza Ave, Hays 67601 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Ellis County · Personal Loans in Hays · Title Loans in Hays
Frequently asked questions
Can I get a payday loan in Hays, KS?
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A. You can request one online from Hays through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Hays?
$500 cash advance.
How fast can I get a payday loan in Hays?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do payday loans work in Hays?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Hays residents can start the process online in about 3 minutes.
Do payday lenders in Hays check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Kansas rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Hays residents can see their options with our 3-minute form.
How much does a payday loan cost in Hays?
15% of the amount of the cash advance. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Hays borrowers in about 3 minutes.
Do I need to visit a store in Hays?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.