Compare loan rates in Hays.
Whether you live in Ellis County or anywhere else in Kansas, loan.me matches you with lenders licensed in your state. We verify your info, then lenders compete for your business.
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KS · Local snapshot
Hays, KS
- Population
- 24,080
- ZIP codes
- 1
- Mean income
- $56,287
- County
- Ellis County
Hays rate snapshot
What personal loan rates look like in Hays right now.
Local median APR (KS)
19.27%
Averaged across credit tiers, adjusted for Kansas.
National median APR
19.37%
Lenders licensed in KS
300+
Competing for Hays borrowers.
Rates shown are illustrative medians derived from our lender network for Kansas. Your actual offer depends on credit profile, income, loan amount, and term. Pre-qualify with a soft credit check to see your real rate from lenders licensed in Ellis County.
About lending in Hays
How borrowing works in Hays, KS.
Hays sits in Ellis County, where the typical household earns about $56,287 a year. That income context matters: lenders use debt-to-income ratios to size offers, so Hays borrowers often qualify for right-sized loans tuned to local cost of living.
Across 1 ZIP codes in and around Hays, loan.me works with 300+ lenders licensed in Kansas. That includes national banks, credit unions, online direct lenders, and specialty providers for auto, business, and home equity needs. We don't lend directly we shop your profile to the partners most likely to approve you at the best rate available in KS.
Because Kansas regulates APR caps, disclosure timing, and prepayment penalties differently than neighboring states, every offer you see has already been filtered for compliance in Hays. No bait-and-switch teaser rates, no offers from lenders who can't actually fund a loan in your ZIP.
What you can borrow for
Loan options for Hays borrowers.
Personal & debt loans
Compare personal loan offers from $1K–$100K. Consolidate cards, fund a project, cover the unexpected.
Mortgage & refinance
Purchase, refinance, and home equity options from local and national lenders licensed in your state.
Auto & specialty loans
Pre-approved auto financing, business loans, and equipment financing all in one place.
Compare Hays rates by product
Pick the loan you need.
Personal Loans
in Hays, KS
Auto Loans
in Hays, KS
Student Loans
in Hays, KS
Debt Consolidation
in Hays, KS
Business Loans
in Hays, KS
SBA Loans
in Hays, KS
Business Credit Cards
in Hays, KS
Equipment Financing
in Hays, KS
Home Purchase
in Hays, KS
Refinance
in Hays, KS
Home Equity
in Hays, KS
FHA & VA Loans
in Hays, KS
Rewards Credit Cards
in Hays, KS
Balance Transfer Cards
in Hays, KS
Secured Credit Cards
in Hays, KS
0% Intro APR Cards
in Hays, KS
Why loan.me in Hays
One application, lenders licensed in Kansas.
Every offer you see comes from a lender licensed to do business in Kansas. Real rates, real terms, filtered for your credit profile before you ever see them.
- Soft credit check won't impact your score
- 300+ lending partners licensed across all 50 states
- Real pre-qualified offers, not teaser rates
- Free to compare lenders pay us, never you
Nearby in Kansas
Other cities we serve.
Questions Hays borrowers ask.
What loan amounts can I qualify for in Hays, KS?+
loan.me matches Hays borrowers with personal loans from $1,000 to $100,000, auto loans up to vehicle value, and mortgages from $50,000 to jumbo amounts. Final approval depends on income, credit profile, and the lender's underwriting rules in Kansas.
Does checking my rate affect my credit score in Hays?+
No. Pre-qualification on loan.me uses a soft credit pull, which does not impact your credit score. A hard inquiry only happens after you accept an offer and the lender begins formal underwriting.
How long does it take to get funded in Hays, KS?+
Most personal and auto loan applications from Hays receive offers within minutes and fund within 1–3 business days after approval. Mortgage and refinance timelines depend on appraisal and title work in Ellis County, typically 21–45 days.
Are the lenders shown licensed to operate in Kansas?+
Yes. Every offer surfaced to a Hays borrower comes from a lender licensed to originate the requested product in Kansas. We filter the marketplace by your state before any offer is displayed.
Is there a fee to compare loan offers in Hays?+
No. loan.me is free for borrowers. Our lending partners pay us when a match results in a funded loan, so you can compare offers in Hays without ever paying us a fee.
Page last reviewed for Hays, KS.
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