Personal loans in Lawrence, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence, KS.
The median household in Lawrence earns $65,009 a year, 12% below the Kansas median of $74,275. About 17% of residents live below the federal poverty line, and 56.4% of households rent their home.
Kansas law that applies in Lawrence
| 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 Lawrence
Lenders that serve Lawrence 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 Lawrence
What Lawrence borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Lawrence
- 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 Lawrence
38 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Central Trust Bank | 6 | 9th And Kentucky Streets, Lawrence 66044 |
| Central National Bank | 4 | 603 W 9th St, Lawrence 66044 |
| U.S. Bank National Association | 3 | 900 Massachusetts St, Lawrence 66044 |
| Capitol Federal Savings Bank | 3 | 1025 Iowa St, Lawrence 66044 |
| Commerce Bank | 2 | 955 Iowa St, Lawrence 66044 |
| Intrust Bank, National Association | 2 | 901 Vermont St, Lawrence 66044 |
| Great American Bank | 2 | 1400 Kasold Dr, Lawrence 66049 |
| First State Bank and Trust | 2 | 609 Vermont St, Lawrence 66044 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lawrence
10 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Truity | 3400 W 6Th St, Lawrence 66049 |
| Meritrust | 650 Congressional Dr, Lawrence 66049 |
| Mainstreet | 1001 E 23Rd St, Lawrence 66046 |
| Envista | 1555 Wakarusa Dr, Lawrence 66047 |
| Mid American | 550 N Wakarusa Dr, Lawrence 66049 |
| Midwest Regional | 1016 W 6Th St, Lawrence 66044 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Douglas County · Payday Loans in Lawrence · Title Loans in Lawrence
Frequently asked questions
Can I get a personal loan with bad credit in Lawrence?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Lawrence. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lawrence, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Lawrence?
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.
How do installment loans work in Lawrence?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Lawrence residents can see installment loan offers with our free 3-minute form.
How do I apply for a personal loan with bad credit in Lawrence?
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.
How can I get an emergency loan in Lawrence?
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.
How long does it take to get a personal loan in Lawrence?
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 Lawrence.
Can I get an emergency loan with bad credit in Lawrence?
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. Lawrence residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Lawrence?
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.