Personal loans in Dodge City, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dodge City, KS.
The median household in Dodge City earns $68,721 a year, 7% below the Kansas median of $74,275. About 15% of residents live below the federal poverty line, and 43.4% of households rent their home.
Kansas law that applies in Dodge City
| 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 Dodge City
Lenders that serve Dodge City typically ask for the following:
- 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 Dodge City
What Dodge City borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Dodge City
- 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 Dodge City
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Fidelity State Bank and Trust Company | 3 | 510 N 2nd Ave, Dodge City 67801 |
| Landmark National Bank | 2 | 100 W Spruce St, Dodge City 67801 |
| Sunflower Bank, National Association | 1 | 2408 1st Ave, Dodge City 67801 |
| Centera Bank | 1 | 14th Avenue And Soule Street, Dodge City 67801 |
| BMO Bank National Association | 1 | 400 W Frontview St, Dodge City 67801 |
| The Western State Bank | 1 | 2121 N 14th Ave, Dodge City 67801 |
| Astra Bank | 1 | 106 Kinkead St, Dodge City 67801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dodge City
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of Dodge City | 802 W Trail St, Dodge City 67801 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Ford County · Payday Loans in Dodge City · Title Loans in Dodge City
Frequently asked questions
Can I get a personal loan with bad credit in Dodge City?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Dodge City. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Dodge City, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Dodge City?
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 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 Dodge City borrowers who qualify.
Can I get an emergency loan with bad credit in Dodge City?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Dodge City residents can see if they qualify in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Dodge City residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Dodge City?
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 Dodge City.
Do I need to visit a store in Dodge City?
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.