Personal loans in Caldwell, KS

Caldwell counts about 1,008 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing.

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.

State law, not city hall, decides what a lender may do to Caldwell's roughly 1,008 residents, and a state regulator supervises it. With an estimated 1,008 residents, Caldwell is the 192nd-largest of 625 places in Kansas. Judge Caldwell offers on total cost, not on how quickly the money arrives. Caldwell shed about 2.0% of its population between the 2020 base and the 2023 estimate. A larger market lies at Wellington, KS about 20 miles away.

Borrowing in Caldwell: the local picture

The figures below are Caldwell's own — Census population, land area and coordinates — followed by the Kansas rules.

How a Caldwell personal loan is priced

Most loans made to Caldwell's 1,008 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Caldwell's 1,008 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Caldwell loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Caldwell sits

The Census Gazetteer records about 1.1 square miles of land within Caldwell, with no significant water area listed. That land carries about 932 people per square mile. For the state's biggest city, Wichita, the distance is roughly 48 miles. Caldwell has 24 larger places within a 50-mile radius. By land area it ranks 189th of 625 Kansas places.

How Caldwell compares across Kansas

Against Kansas's other places, Caldwell accounts for about 0.0% of the state's population and ranks 192nd of 625 by size. For population change between 2020 and 2023, Caldwell ranks 420th of 625 in Kansas (about the 33th percentile). Its roughly 932 residents per square mile place it 244th among Kansas's places. Between 2020 and 2023 the count changed by roughly 21 residents.

Borrowing reach in Caldwell

Caldwell is moderately settled, with about 932 people per square mile and 24 larger places within 50 miles. Lenders licensed in Kansas reach Caldwell's 1,008 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Wellington, KS about 20 miles away.

The Kansas lending rules that reach Caldwell

The rows below set out what a licensed lender must follow in Kansas, and so for Caldwell's roughly 1,008 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
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
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 Caldwell 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 Caldwell is the same as anywhere in Kansas.
What loan size can I expect in Caldwell?
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 Caldwell?
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 Caldwell 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