Personal loans in Ellsworth, KS

To lend to Ellsworth's 3,133 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it.

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.

Ellsworth, Kansas — home to about 3,133 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. With an estimated 3,133 residents, Ellsworth is the 88th-largest of 625 places in Kansas. Population in Ellsworth climbed about 1.9% over the three years from 2020 to 2023. For a community of about 3,133, the practical step is to compare APR across at least three lenders before committing. The nearest larger city is Lyons, KS about 27 miles away.

Ellsworth: the sourced local profile

Two layers matter for a Ellsworth borrower: the local population picture and Kansas's consumer-lending statutes.

Which Kansas laws govern a loan in Ellsworth

For the roughly 3,133 residents of Ellsworth, 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
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

A practical checklist for Ellsworth borrowers

Complete these steps first when you borrow in Ellsworth (3,133 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  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. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Kansas; what changes is your credit file, not the fact that Ellsworth holds 3,133 people.

The geography behind Ellsworth

Ellsworth covers about 2.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,309 people per square mile. The largest place in Kansas, Wichita, lies about 86 miles away. Ellsworth has 7 larger places within a 50-mile radius. By land area it ranks 102nd of 625 Kansas places.

How lenders reach Ellsworth

With about 1,309 residents per square mile, Ellsworth is moderately settled, and 7 larger Census places sit within 50 miles. Distance to a branch rarely matters for Ellsworth's 3,133 residents: the application is online and the price follows your credit file. The nearest larger city, Lyons, KS about 27 miles away.

Ellsworth's place among Kansas's 625 places

Set beside Kansas's 625 places, Ellsworth ranks 88th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 42nd of 625 Kansas places, putting it near the 93th percentile for growth. By density, at about 1,309 people per square mile, it ranks 128th in Kansas. In land area, Ellsworth ranks 102nd among Kansas's 625 places.

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