Personal loans in Derby, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Derby, KS.
The median household in Derby earns $84,112 a year, 13% above the Kansas median of $74,275. About 6% of residents live below the federal poverty line, and 31.5% of households rent their home.
Kansas law that applies in Derby
| Rate cap | Closed-end consumer loans: periodic finance charge up to 36% a year (actuarial method). |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal 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 personal loan in Derby
Most Derby applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Derby
What Derby borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Derby
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Derby
12 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank of Kansas | 3 | 1033 N Buckner St, Derby 67037 |
| Commerce Bank | 1 | 600 N Rock Rd, Derby 67037 |
| BMO Bank National Association | 1 | 300 N Rock Rd, Derby 67037 |
| Fidelity Bank, National Association | 1 | 2542 N Rock Rd, Derby 67037 |
| Carson Bank | 1 | 255 N Rock Rd, Derby 67037 |
| Intrust Bank, National Association | 1 | 1501 N Rock Rd, Derby 67037 |
| The Valley State Bank | 1 | 330 E Madison Ave, Derby 67037 |
| Emprise Bank | 1 | 1719 E Patriot Ave, Derby 67037 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Derby
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Meritrust | 1615 N Rock Rd, Derby 67037 |
| Credit Union Of America | 1100 N Rock Rd, Derby 67037 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Sedgwick County · Payday Loans in Derby · Title Loans in Derby
Frequently asked questions
Can I get a personal loan with bad credit in Derby?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Derby. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Derby, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Derby?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Derby with our free 3-minute form.
Where can I find a loan for bad credit in Derby?
You can apply at local banks and lenders in Derby, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How long does it take to get a personal loan in Derby?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Derby.
Can I get a personal loan in Derby with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Derby residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Derby borrowers who qualify.
Do I need to visit a store in Derby?
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.