Personal loans in Haddam, KS

The Census counts 108 people in Haddam, the 487th-largest figure among Kansas's 625 places. Haddam is a small community in Kansas, with an estimated 108 residents, and every licensed lender here follows the same state rulebook. Compare APR, not the interest rate, because the APR folds in most fees on a Haddam loan. For the 108 people in Haddam, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Haddam dropped about 1.8% over the three years from 2020 to 2023. A larger market lies at Morrowville, KS about 7 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

The Haddam data picture

Here is the sourced Census picture for Haddam, plus the Kansas lending rules that apply to a loan taken out here.

The geography behind Haddam

Haddam covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 315 people per square mile. For the state's biggest city, Wichita, the distance is roughly 150 miles. Within 50 miles of Haddam there are 60 larger Census places. By land area it ranks 395th of 625 Kansas places.

How Haddam compares across Kansas

Among Kansas's 625 places, Haddam sits at 487th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Haddam ranks 378th of 625 in Kansas (about the 40th percentile). Its roughly 315 residents per square mile place it 522nd among Kansas's places. The population moved by about 2 people between 2020 and 2023, a 1.8% shift.

The Kansas lending rules that reach Haddam

For the roughly 108 residents of Haddam, 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
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

The anatomy of a Haddam personal loan

In Haddam, a small community of about 108, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Haddam loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Haddam loan is knowable in advance — unlike a revolving card balance.

How lenders reach Haddam

With about 315 residents per square mile, Haddam is lightly settled, and 60 larger Census places sit within 50 miles. Distance to a branch rarely matters for Haddam's 108 residents: the application is online and the price follows your credit file. The nearest bigger place is Morrowville, KS about 7 miles away.

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

Nearby places

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