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Personal loans in Hazelton, KS

For a borrower among the roughly 82 residents of Hazelton, a personal loan is a tool whose cost turns on the terms, not the address. About 82 people live in Hazelton, placing it 526th of 625 Census places in Kansas. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Hazelton loan. The trend for Hazelton between 2020 and 2023 is downward by roughly 3.5%. For the 82 people in Hazelton, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Kiowa, KS about 7 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.

The Hazelton data picture

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

What a Hazelton borrower is actually offered

Hazelton is a small community of about 82 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Hazelton lender to disclose the APR and finance charge before you sign. Shortening the term on a Hazelton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Kansas consumer-lending rules applied in Hazelton

This table holds the Kansas rate and licensing rules for consumer loans made to Hazelton's 82 residents.

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

Hazelton: area, density and distance

Hazelton covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 82 residents, the land area yields roughly 138 people per square mile. The state's population centre of gravity, Wichita, is roughly 71 miles away. Counting outward 50 miles, 40 larger communities surround Hazelton. The 100-mile radius contains 201 larger places.

What to do before borrowing in Hazelton

Before you hand your details to a lender in Hazelton, where the population is near 82:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Kansas; what changes is your credit file, not the fact that Hazelton holds 82 people.

How lenders reach Hazelton

Hazelton is a lightly settled community of about 82 people, with 40 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Hazelton's 82 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Kiowa, KS about 7 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 Hazelton 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 Hazelton is the same as anywhere in Kansas.
What loan size can I expect in Hazelton?
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 Hazelton?
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 Hazelton 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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