Personal 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.
Kansas law that applies in Hays
| 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 Hays
Here's what to have on hand before you start your personal loan request in Hays:
- 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 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
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Hays
- 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 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 · Payday Loans in Hays · Title Loans in Hays
Frequently asked questions
Can I get a personal loan with bad credit in Hays?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Hays. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Hays, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Hays?
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.
Can I get a personal loan in Hays 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. Hays residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How can I get an emergency loan in Hays?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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. Hays residents can see their options in about 3 minutes.
How do I apply for a personal loan with bad credit in Hays?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
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.
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.