Personal loans in Coldwater, KS

A personal loan in Coldwater is priced from your credit file and income, not from the fact that the city holds 673 people. Which products a lender may offer to Coldwater's 673 residents follows from the Kansas consumer-lending framework.

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.

Coldwater is home to roughly 673 people and stands 242nd by size out of 625 Census places in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Coldwater. The 2020 count to the 2023 estimate shows about 1.8% decline in Coldwater. The closest larger place is Greensburg, KS about 23 miles away.

Coldwater: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

Land, water and location for Coldwater

Coldwater's land area is about 2.6 square miles; a further 0.34 square miles is water. With 673 residents, the land area yields roughly 263 people per square mile. For the state's biggest city, Wichita, the distance is roughly 112 miles. Counting outward 50 miles, 11 larger communities surround Coldwater. The 100-mile radius contains 60 larger places.

Kansas consumer-lending rules applied in Coldwater

For the roughly 673 residents of Coldwater, 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
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

What is available to Coldwater borrowers

Coldwater is a lightly settled community of about 673 people, with 11 larger places inside a 50-mile radius. What is available to Coldwater's 673 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Greensburg, KS about 23 miles away.

How a Coldwater personal loan is priced

Most loans made to Coldwater's 673 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Coldwater. Shortening the term on a Coldwater loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Coldwater in state context

Set beside Kansas's 625 places, Coldwater ranks 242nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 371st of 625 Kansas places, putting it near the 41th percentile for growth. Its roughly 263 residents per square mile place it 550th among Kansas's places. The population moved by about 12 people between 2020 and 2023, a 1.8% shift.

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

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