Personal loans in Barnes, KS

Barnes is a small community in Kansas, with an estimated 163 residents, and every licensed lender here follows the same state rulebook. Barnes is home to roughly 163 people and stands 429th by size out of 625 Census places in Kansas.

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.

For practical purposes, Barnes's population was stable from the 2020 base to the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Barnes lender. The nearest larger city is Greenleaf, KS about 6 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Barnes's 163 residents.

Barnes: the sourced local profile

Two layers matter for a Barnes borrower: the local population picture and Kansas's consumer-lending statutes.

Where Barnes sits in Kansas

Barnes is the 429th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Barnes stands 132nd among Kansas's 625 places — roughly the 79th percentile. At about 959 people per square mile, Barnes is the 239th most densely settled place in Kansas. In land area, Barnes ranks 556th among Kansas's 625 places.

The state rulebook for Barnes

Read the table as a lender's compliance picture for Barnes: the rule, the sourced figure, the publisher and the date.

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
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
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

Steps to take before a Barnes loan

Complete these steps first when you borrow in Barnes (163 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Barnes as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 163 residents.

How a Barnes personal loan is priced

Barnes is a small community of about 163 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Barnes's rank of 429th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Barnes loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Barnes on the map

Barnes covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 959 residents per square mile. Wichita, the largest place in Kansas, is about 142 miles from Barnes. Counting outward 50 miles, 46 larger communities surround Barnes. The 100-mile radius contains 240 larger places.

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 Barnes 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 Barnes is the same as anywhere in Kansas.
What loan size can I expect in Barnes?
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 Barnes?
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 Barnes 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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