Personal loans in Enterprise, KS

The roughly 710 people who live in Enterprise borrow under Kansas rules; city hall sets no personal-loan rate. Population in Enterprise dropped about 0.7% over the three years from 2020 to 2023.

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.

Enterprise is home to roughly 710 people and stands 234th by size out of 625 Census places in Kansas. Verify the lender's Kansas licence against the regulator named below before borrowing in Enterprise. To lend to Enterprise's 710 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The closest larger city is Abilene, KS about 6 miles away.

Enterprise: the sourced local profile

Set out below is Enterprise's local context next to the state-level rules that reach every lender here.

Enterprise in state context

Within Kansas, Enterprise holds roughly 0.0% of all residents, the 234th-largest share among 625 places. On the 2020-to-2023 trend, Enterprise stands 245th among Kansas's 625 places — roughly the 61th percentile. By density, at about 1,060 people per square mile, it ranks 201st in Kansas. The population moved by about 5 people between 2020 and 2023, a 0.7% shift.

The geography behind Enterprise

The Census Gazetteer records 0.7 square miles of land and 0.01 square miles of water within Enterprise. That land carries about 1,060 people per square mile. Wichita, the largest place in Kansas, is about 85 miles from Enterprise. Within 50 miles of Enterprise there are 23 larger Census places. By land area it ranks 267th of 625 Kansas places.

The Kansas lending rules that reach Enterprise

Read the table as a lender's compliance picture for Enterprise: the rule, the sourced figure, the publisher and the 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
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
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

Before you apply in Enterprise

These steps shape the offer you get in Enterprise, a place of about 710 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Kansas; what changes is your credit file, not the fact that Enterprise holds 710 people.

How a Enterprise personal loan is priced

Enterprise is a small community of about 710 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Enterprise's 710 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Enterprise loan is knowable in advance — unlike a revolving card balance.

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