Personal loans in Benton, KS

To lend to Benton's 945 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. About 945 people live in Benton, placing it 201st 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.

The roughly 945 people who live in Benton borrow under Kansas rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 decrease in Benton at about 0.1%. Judge Benton offers on total cost, not on how quickly the money arrives. The nearest larger metro is Towanda, KS about 6 miles away.

What the Census records for Benton

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

Lender access in Benton

Benton is moderately settled, with about 680 people per square mile and 40 larger places within 50 miles. What is available to Benton's 945 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Towanda, KS about 6 miles away.

The geography behind Benton

Benton's land area is roughly 1.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 680 people per square mile. The largest place in Kansas, Wichita, lies about 15 miles away. Counting outward 50 miles, 40 larger communities surround Benton. Within the same 50 miles lie 38 smaller Census places.

The state rulebook for Benton

This table holds the Kansas rate and licensing rules for consumer loans made to Benton's 945 residents.

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
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".		Kansas Office of the Revisor of Statutes
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

Inside a Benton personal loan

With roughly 945 residents, Benton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Benton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Benton loan is knowable in advance — unlike a revolving card balance.

What to do before borrowing in Benton

Complete these steps first when you borrow in Benton (945 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Benton-specific: the same Kansas licensing and disclosure rules reach all 945 residents.

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