Personalloaner

Personal loans in Buffalo, KS

Buffalo counts about 212 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. A 2020-to-2023 comparison shows Buffalo down by about 2.8%. Roughly 212 residents live in Buffalo, the 387th-largest community in Kansas. Begin with the payment, then weigh APR and total interest across the lenders that reach Buffalo's 212 residents. For the 212 people in Buffalo, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Yates Center, KS about 11 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.

What the Census records for Buffalo

Here is the sourced Census picture for Buffalo, plus the Kansas lending rules that apply to a loan taken out here.

How Buffalo compares across Kansas

Within Kansas, Buffalo holds roughly 0.0% of all residents, the 387th-largest share among 625 places. For population change between 2020 and 2023, Buffalo ranks 493rd of 625 in Kansas (about the 21th percentile). Its roughly 667 residents per square mile place it 362nd among Kansas's places. The population moved by about 6 people between 2020 and 2023, a 2.8% shift.

What Kansas law requires in Buffalo

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Buffalo is bound by the same rules.

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
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
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

Buffalo on the map

Inside Buffalo's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 667 people per square mile. For the state's biggest city, Wichita, the distance is roughly 90 miles. Counting outward 50 miles, 47 larger communities surround Buffalo. By land area it ranks 416th of 625 Kansas places.

How lenders reach Buffalo

Buffalo is a moderately settled community of about 212 people, with 47 larger places inside a 50-mile radius. Whether Buffalo has a local branch or not, a Kansas-licensed lender can serve its 212 people online on the same terms. For a larger market, the closest option is Yates Center, KS about 11 miles away.

What shapes a Buffalo personal loan

A Buffalo personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 212 residents. Federal Truth in Lending rules require a Buffalo lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Buffalo loan but raises total interest, so the smallest payment is not the cheapest loan.

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

Nearby places

Related