Personal loans in Clifton, KS

Clifton counts about 451 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. With 451 residents, Clifton outranks about 55% of the communities 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.

A 2020-to-2023 comparison shows Clifton down by about 0.7%. Begin with the payment, then weigh APR and total interest across the lenders that reach Clifton's 451 residents. The closest larger place is Clyde, KS about 7 miles away. For the 451 people in Clifton, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

Clifton: population, trend and location

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

Clifton: area, density and distance

Clifton's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,105 people per square mile. The state's population centre of gravity, Wichita, is roughly 130 miles away. Counting outward 50 miles, 27 larger communities surround Clifton. The 100-mile radius contains 123 larger places.

Before you apply in Clifton

Before you hand your details to a lender in Clifton, where the population is near 451:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Kansas; what changes is your credit file, not the fact that Clifton holds 451 people.

Clifton in state context

Set beside Kansas's 625 places, Clifton ranks 283rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 237th of 625 Kansas places, putting it near the 62th percentile for growth. At about 1,105 people per square mile, Clifton is the 184th most densely settled place in Kansas. By land area, its 0.4 square miles rank 366th of 625 places in Kansas.

Getting a loan in Clifton

Clifton is a moderately settled community of about 451 people, with 27 larger places inside a 50-mile radius. What is available to Clifton's 451 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Clyde, KS about 7 miles away.

What Kansas law requires in Clifton

For the roughly 451 residents of Clifton, 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 Clifton 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 Clifton is the same as anywhere in Kansas.
What loan size can I expect in Clifton?
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 Clifton?
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 Clifton 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