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Personal loans in Arcadia, KS

To lend to Arcadia's 257 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The Census counts 257 people in Arcadia, the 360th-largest figure among Kansas's 625 places. The roughly 257 people who live in Arcadia borrow under Kansas rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 decrease in Arcadia at about 0.4%. Pull your credit reports and line up at least three offers before you apply from Arcadia. For a bigger market, look to Mulberry, KS about 6 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Arcadia data picture

What follows is Arcadia's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

What shapes a Arcadia personal loan

Most loans made to Arcadia's 257 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Arcadia lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Arcadia loan but raises total interest, so the smallest payment is not the cheapest loan.

A pre-application checklist for Arcadia

These steps shape the offer you get in Arcadia, a place of about 257 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Arcadia as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 257 residents.

Which Kansas laws govern a loan in Arcadia

These are Kansas's sourced lending facts as they reach Arcadia's 257 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

Getting a loan in Arcadia

Arcadia is moderately settled, with about 599 people per square mile and 65 larger places within 50 miles. What is available to Arcadia's 257 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mulberry, KS about 6 miles away.

Arcadia in state context

Within Kansas, Arcadia holds roughly 0.0% of all residents, the 360th-largest share among 625 places. On the 2020-to-2023 trend, Arcadia stands 208th among Kansas's 625 places — roughly the 67th percentile. Its roughly 599 residents per square mile place it 386th among Kansas's places. The population moved by about 1 people between 2020 and 2023, a 0.4% shift.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Arcadia if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Arcadia is the same as anywhere in Kansas.
What loan size can I expect in Arcadia?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Arcadia?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Arcadia cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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