Personal loans in Manhattan, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Manhattan, KS.
The median household in Manhattan earns $60,172 a year, 19% below the Kansas median of $74,275. About 23% of residents live below the federal poverty line, and 56.5% of households rent their home.
Kansas law that applies in Manhattan
| 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 Manhattan
Here's what to have on hand before you start your personal loan request in Manhattan:
- 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 Manhattan
What Manhattan borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Manhattan
- 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 Manhattan
28 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Commerce Bank | 3 | 727 Poyntz Ave, Manhattan 66502 |
| KS StateBank | 3 | 1010 Westloop Pl, Manhattan 66502 |
| Landmark National Bank | 2 | 701 Poyntz Ave, Manhattan 66502 |
| Outdoor Bank | 2 | 2401 N Seth Child Rd, Manhattan 66503 |
| Intrust Bank, National Association | 2 | 630 Humboldt St, Manhattan 66502 |
| Community First National Bank | 2 | 215 S Seth Child Rd, Manhattan 66502 |
| Bank of the Flint Hills | 2 | 7860 E Us Highway 24, Manhattan 66502 |
| Capitol Federal Savings Bank | 2 | 1401 Poyntz Ave, Manhattan 66502 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Manhattan
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 501 3Rd Pl, Manhattan 66502 |
| Meritrust | 104 Mccall Rd, Manhattan 66502 |
| Credit Union Of America | 1800 Claflin Rd, Manhattan 66502 |
| Kansas State University | 2600 Anderson Ave, Manhattan 66502 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Riley County · Pottawatomie County · Payday Loans in Manhattan · Title Loans in Manhattan
Frequently asked questions
Can I get a personal loan with bad credit in Manhattan?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Manhattan. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Manhattan, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Manhattan?
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 Manhattan?
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. Manhattan residents can see installment loan offers with our free 3-minute form.
Can I get an emergency loan with bad credit in Manhattan?
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. Manhattan residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Manhattan 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. Manhattan residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How long does it take to get a personal loan in Manhattan?
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 Manhattan.
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 Manhattan borrowers who qualify.
Do I need to visit a store in Manhattan?
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.