- Payday loans in Clyde follow Kansas law (Kansas Consumer Credit Code, K.S.A. 16a-2-404).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- The nearest larger city is Manhattan, about 51 miles away.
Clyde at a glance
| Clyde | |
|---|---|
| Population (2024 Census estimate) | 669 |
| Change since 2020 | -3.5% (shrinking) |
| County | Cloud County |
| Size rank among 367 Kansas places we cover | 242nd |
| Nearest larger city | Manhattan (about 51 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Cloud County | 1 |
| Other towns within 25 miles | 9 (about 14,012 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Clyde follows Kansas state law. Lenders that serve Clyde, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Clyde
No credit union has its main office in Clyde, but these are based elsewhere in Cloud County (NCUA, June 2026):
- Mid Plains Credit Union in Glasco (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Clyde
The main Kansas rules for a payday loan in Clyde: maximum loan: $500; maximum fee: 15% of the amount advanced; loan term: 7 to 30 days. See the full Kansas payday loan rules.
What a $300 loan costs in Clyde
The Center for Responsible Lending put the typical APR on a $400 payday loan in Kansas at 391% (June 2023). For $300 at the state maximum, expect $45 (15% fee). Check any offer with our payday loan calculator.
Other help in Cloud County before you borrow
- Call or text 211 for help with rent, utilities and food in Cloud County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Clyde
The nearest larger city is Manhattan, about 51 miles away. See all 367 Kansas cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Clyde?
Yes. Payday loans are legal in Clyde under Kansas state law, and lenders must be licensed by the Kansas Office of the State Bank Commissioner.
How much does a payday loan cost in Clyde?
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Where is the nearest credit union to Clyde?
No credit union is headquartered in Clyde, but Mid Plains Credit Union is based in Glasco, also in Cloud County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- K.S.A. 16a-2-404
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary