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Personal loans in Fredonia, KS

Fredonia is one of 625 Census places in Kansas; its 2,073 residents put it at 115th. Two households in Fredonia with comparable incomes can still be offered different rates; the city's 2,073 residents are not the reason. Fredonia shed about 3.7% of its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in Fredonia. Every figure below is Kansas's own, applied to Fredonia's 2,073 residents, with the publisher and retrieval date attached. The nearest larger city is Neodesha, KS about 11 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.

Local context for Fredonia

The figures below are Fredonia's own — Census population, land area and coordinates — followed by the Kansas rules.

How Fredonia compares across Kansas

Against Kansas's other places, Fredonia accounts for about 0.1% of the state's population and ranks 115th of 625 by size. On the 2020-to-2023 trend, Fredonia stands 564th among Kansas's 625 places — roughly the 10th percentile. At about 850 people per square mile, Fredonia is the 276th most densely settled place in Kansas. By land area, its 2.4 square miles rank 98th of 625 places in Kansas.

What shapes a Fredonia personal loan

With roughly 2,073 residents, Fredonia is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Fredonia loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Fredonia decides the split between a comfortable payment and the total interest you pay.

The Kansas lending rules that reach Fredonia

For the roughly 2,073 residents of Fredonia, 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
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
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

Steps to take before a Fredonia loan

For Fredonia's roughly 2,073 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Fredonia-specific: the same Kansas licensing and disclosure rules reach all 2,073 residents.

Getting a loan in Fredonia

With about 850 residents per square mile, Fredonia is moderately settled, and 9 larger Census places sit within 50 miles. Whether Fredonia has a local branch or not, a Kansas-licensed lender can serve its 2,073 people online on the same terms. The nearest larger city, Neodesha, KS about 11 miles away.

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