- Payday loans in Grinnell follow Kansas law (Kansas Consumer Credit Code, K.S.A. 16a-2-404).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 1 credit union is headquartered in Grinnell; ask about small-dollar loans before borrowing.
Grinnell at a glance
| Grinnell | |
|---|---|
| Population (2024 Census estimate) | 255 |
| Change since 2020 | -2.3% (shrinking) |
| County | Gove County |
| Size rank among 367 Kansas places we cover | 362nd |
| Nearest larger city | Garden (about 80 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Gove County | 1 |
| Other towns within 25 miles | 4 (about 4,401 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Grinnell payday law: Kansas rules apply here, and any lender serving Grinnell residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions in Grinnell
These credit unions have their main office in Grinnell, according to NCUA call report data (June 2026):
- Tri-County Credit Union (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 Grinnell
In short, Kansas rules that cover Grinnell include: 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 Grinnell
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 Gove County before you borrow
Before a payday loan, Grinnell residents can usually find something cheaper:
- Local assistance through 211 covering Gove County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Grinnell
The nearest larger city is Garden, about 80 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 Grinnell?
Yes. Payday loans are legal in Grinnell 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 Grinnell?
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Grinnell?
Yes. NCUA data lists 1 credit union with a main office in Grinnell, including Tri-County Credit Union.
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