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Personal loans in Florence, KS

Florence is a small community in Kansas, with an estimated 384 residents, and every licensed lender here follows the same state rulebook. Population in Florence dropped about 2.3% over the three years from 2020 to 2023. Florence ranks 315th of 625 places in Kansas, with a population near 384. Read the disclosure for an origination fee and any prepayment penalty before signing in Florence. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Florence as from the rest of the state. The nearest larger metro is Marion, KS about 9 miles away.

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.

Florence: the sourced local profile

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

Which Kansas laws govern a loan in Florence

Kansas has no separate rate rule for Florence; the sourced rows below are what reach every lender that serves its 384 people.

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 to do before borrowing in Florence

A sensible order of operations for a loan in Florence, home to about 384 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Kansas; what changes is your credit file, not the fact that Florence holds 384 people.

What shapes a Florence personal loan

Florence is a small community of about 384 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Florence loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Florence decides the split between a comfortable payment and the total interest you pay.

How lenders reach Florence

With about 501 residents per square mile, Florence is moderately settled, and 52 larger Census places sit within 50 miles. Lenders licensed in Kansas reach Florence's 384 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Marion, KS about 9 miles away.

Florence against the rest of Kansas

Florence is the 315th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Florence ranks 447th of 625 in Kansas (about the 28th percentile). Its roughly 501 residents per square mile place it 440th among Kansas's places. The population moved by about 9 people between 2020 and 2023, a 2.3% 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 Florence 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 Florence is the same as anywhere in Kansas.
What loan size can I expect in Florence?
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 Florence?
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 Florence 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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