Personal loans in Newton, KS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Newton, KS.
The median household in Newton earns $68,885 a year, 7% below the Kansas median of $74,275. About 10% of residents live below the federal poverty line, and 32.2% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
Kansas law that applies in Newton
| 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 Newton
Lenders that serve Newton 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 Newton
What Newton borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Newton
- 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 Newton
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Intrust Bank, National Association | 2 | 128 E Broadway St, Newton 67114 |
| Union State Bank | 2 | 527 N Main St, Newton 67114 |
| The Citizens State Bank | 2 | 2315 S Kansas Rd, Newton 67114 |
| Central National Bank | 1 | 626 N Main St, Newton 67114 |
| BMO Bank National Association | 1 | 100 W 12th St, Newton 67114 |
| Community National Bank & Trust | 1 | 127 N Main St, Newton 67114 |
| Peoples Bank and Trust Company | 1 | 1905 S .Kansas Avenue, Newton 67114 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Newton
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Heartland | 2201 S Kansas Rd, Newton 67114 |
| White Eagle | 300 W Broadway St, Newton 67114 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Harvey County · Payday Loans in Newton · Title Loans in Newton
Frequently asked questions
Can I get a personal loan with bad credit in Newton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Kansas, including Newton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Newton, KS?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
How fast can I get a personal loan in Newton?
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 an emergency loan with bad credit in Newton?
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. Newton residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Newton?
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 Newton?
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.
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 Newton with our free 3-minute form.
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 Newton?
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.