Personal loans in Edna, KS
A single loan can carry different costs on either side of a state line, and Edna sits on the Kansas side of that line. A lender serving Edna holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 382 residents. Roughly 382 residents live in Edna, the 318th-largest community in Kansas. The 2020 count to the 2023 estimate shows about 2.1% decline in Edna. Use the calculator on this page to price an amount and term before you commit in Edna. The nearest larger metro is Altamont, KS about 10 miles away.
Edna: the sourced local profile
Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.
- Population: 382 — Edna ranks 318th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
- Population trend: About 2.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 8 residents.
- Size percentile: Edna sits ahead of around 49% of Kansas places, at 382 people.
- Density: roughly 970 residents per square mile, spread over 0.4 sq mi of land.
- Land area: Edna covers 0.4 square miles, the 370th-largest area among Kansas's 625 places.
- State share: roughly 0.0% of Kansas's residents live in Edna (382 people).
- National rank: Edna sits 14,267th by population among the 19,457 places in this dataset.
- Growth rank: Edna ranks 422nd among Kansas's 625 places for the 2020-to-2023 change.
- Versus Kansas: the state average change is -1.0%, while Edna moved 2.1%.
- Density in Kansas: Edna ranks 233rd by people per square mile.
- Against the state median: Edna runs about 970 residents per square mile, where the Kansas median is 764.
- Location: mapped by the US Census Bureau at 37.0585, -95.3592.
- Nearest larger cities: Altamont (10 mi); Chetopa (15 mi); South Coffeyville (15 mi); Oswego (16 mi); Coffeyville (16 mi). Larger metros often have more branches, but online lenders reach Edna on the same terms.
- Smaller towns nearby: Bartlett (8 mi); Mound Valley (11 mi); Liberty (15 mi).
- Smaller places within 50 miles: 49 of them.
- At 100 miles: 215 larger Census places fall inside that radius.
Edna: area, density and distance
Inside Edna's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 970 people per square mile. For the state's biggest city, Wichita, the distance is roughly 117 miles. Within 50 miles of Edna there are 55 larger Census places. By land area it ranks 370th of 625 Kansas places.
Edna against the rest of Kansas
Edna is the 318th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 422nd of 625 Kansas places, putting it near the 32th percentile for growth. Its roughly 970 residents per square mile place it 233rd among Kansas's places. Between 2020 and 2023 the count changed by roughly 8 residents.
The Kansas lending rules that reach Edna
When Kansas does not publish a figure, the row links to the source instead of inventing a number; Edna is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 |
| Small-loan / installment lender licensing | Supervised 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 |
| UCCC consumer loan rate caps | 36% 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 |
What is available to Edna borrowers
At roughly 970 people per square mile, Edna is moderately settled; 55 larger places lie within 50 miles. A Kansas licence lets a lender serve Edna without a local office, so branch density does not change what its 382 residents are offered. The nearest larger city, Altamont, KS about 10 miles away.
What to do before borrowing in Edna
Before you apply in Edna, a community of about 382, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the Kansas regulator's licence list.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
None of these steps is Edna-specific: the same Kansas licensing and disclosure rules reach all 382 residents.
Common questions
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Nearby places
- Altamont, KS — population 1,047
- Bartlett, KS — population 70
- Mound Valley, KS — population 347
- Labette, KS — population 54
- Liberty, KS — population 95
- Chetopa, KS — population 911
- Oswego, KS — population 1,637
- South Coffeyville, OK — population 684