Personal loans in Havensville, KS

For the 126 people in Havensville, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

In Havensville, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. By population, Havensville sits at 469th in Kansas, with an estimated 126 residents. From the 2020 Census base to the 2023 estimate, the population rose by about 5.0%. Price two or three terms so you can see which payment is truly affordable in Havensville. Borrowers who want a bigger city can look to Onaga, KS about 5 miles away.

Borrowing in Havensville: the local picture

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

Havensville: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Havensville, with no significant water area listed. Spread across it are roughly 869 residents per square mile. The state's population centre of gravity, Wichita, is roughly 143 miles away. Havensville has 71 larger places within a 50-mile radius. The 100-mile radius contains 340 larger places.

What Kansas law requires in Havensville

Read the table as a lender's compliance picture for Havensville: 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
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
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

How Havensville compares across Kansas

Among Kansas's 625 places, Havensville sits at 469th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 19th of 625 Kansas places, putting it near the 97th percentile for growth. Its roughly 869 residents per square mile place it 268th among Kansas's places. In land area, Havensville ranks 584th among Kansas's 625 places.

Steps to take before a Havensville loan

These steps shape the offer you get in Havensville, a place of about 126 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Havensville-specific: the same Kansas licensing and disclosure rules reach all 126 residents.

How personal loans work in Havensville

Most loans made to Havensville's 126 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Havensville can be quoted different APRs on the same amount and term. The term you choose in Havensville decides the split between a comfortable payment and the total interest you pay.

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