Personal loans in Clayton, KS

A single loan can carry different costs on either side of a state line, and Clayton sits on the Kansas side of that line. The Census estimates 46 residents in Clayton, which ranks it 580th of 625 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.

Personal loans in Clayton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 46 population. A 2020-to-2023 comparison shows Clayton down by about 2.1%. If debt is already a strain, a nonprofit credit counsellor can help Clayton residents before they take on more. Borrowers who want a bigger city can look to Norcatur, KS about 7 miles away.

Clayton: the sourced local profile

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

Where Clayton sits in Kansas

Among Kansas's 625 places, Clayton sits at 580th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 430th of 625 Kansas places, putting it near the 31th percentile for growth. By density, at about 109 people per square mile, it ranks 610th in Kansas. The population moved by about 1 people between 2020 and 2023, a 2.1% shift.

The Clayton borrowing checklist

Before you apply in Clayton, a community of about 46, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Kansas; what changes is your credit file, not the fact that Clayton holds 46 people.

Inside a Clayton personal loan

Clayton is a small community of about 46 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Clayton lender to disclose the APR and finance charge before you sign. Shortening the term on a Clayton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Clayton

Clayton is lightly settled, with about 109 people per square mile and 42 larger places within 50 miles. A Kansas licence lets a lender serve Clayton without a local office, so branch density does not change what its 46 residents are offered. The nearest larger city, Norcatur, KS about 7 miles away.

The Kansas lending rules that reach Clayton

For the roughly 46 residents of Clayton, the rules below are Kansas's own; each row carries its publisher and retrieval 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
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
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 Clayton 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 Clayton is the same as anywhere in Kansas.
What loan size can I expect in Clayton?
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 Clayton?
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 Clayton 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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