Personal loans in Haven, KS

Two households in Haven with comparable incomes can still be offered different rates; the city's 1,168 residents are not the reason. With 1,168 residents, Haven outranks about 72% of the communities in Kansas.

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.

For a community of about 1,168, the practical step is to compare APR across at least three lenders before committing. The 2020 count to the 2023 estimate shows about 0.3% growth in Haven. A lender that serves Haven operates under Kansas lending statutes and a Kansas supervisor. A larger market lies at South Hutchinson, KS about 12 miles away.

Haven by the numbers

Most of what governs a Haven loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

Haven in state context

Haven is the 172nd-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Haven ranks 104th of 625 in Kansas (about the 83th percentile). At about 1,503 people per square mile, Haven is the 85th most densely settled place in Kansas. The population moved by about 4 people between 2020 and 2023, a 0.3% shift.

What is available to Haven borrowers

At roughly 1,503 people per square mile, Haven is moderately settled; 37 larger places lie within 50 miles. Whether Haven has a local branch or not, a Kansas-licensed lender can serve its 1,168 people online on the same terms. The nearest bigger place is South Hutchinson, KS about 12 miles away.

The geography behind Haven

Haven covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,503 people per square mile. For the state's biggest city, Wichita, the distance is roughly 28 miles. Haven has 37 larger places within a 50-mile radius. Within the same 50 miles lie 50 smaller Census places.

Kansas consumer-lending rules applied in Haven

For the roughly 1,168 residents of Haven, 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
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

What a Haven borrower is actually offered

With roughly 1,168 residents, Haven is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Haven loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Haven loan but raises total interest, so the smallest payment is not the cheapest loan.

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