Personal loans in Kansas, AL

For a borrower among the roughly 176 residents of Kansas, a personal loan is a tool whose cost turns on the terms, not the address. Kansas is home to roughly 176 people and stands 414th by size out of 462 Census places in Alabama.

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.

A 2020-to-2023 comparison shows Kansas down by about 2.8%. State law, not city hall, decides what a lender may do to Kansas's roughly 176 residents, and a state regulator supervises it. If debt is already a strain, a nonprofit credit counsellor can help Kansas residents before they take on more. The closest larger city is Carbon Hill, AL about 2 miles away.

Borrowing in Kansas: the local picture

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

Before you apply in Kansas

Before you hand your details to a lender in Kansas, where the population is near 176:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Alabama regulator's licence records before you sign.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Kansas and the rest of Alabama is not the process but the borrower's own file, among the 176 people here.

Kansas in state context

Set beside Alabama's 462 places, Kansas ranks 414th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Kansas stands 363rd among Alabama's 462 places — roughly the 21th percentile. At about 173 people per square mile, Kansas is the 311th most densely settled place in Alabama. By land area, its 1.0 square miles rank 416th of 462 places in Alabama.

What Alabama law requires in Kansas

When Alabama does not publish a figure, the row links to the source instead of inventing a number; Kansas is bound by the same rules.

RuleDetailSource
State lending regulatorAlabama State Banking Department — Bureau of Loans (BOL)
Source says: "The Bureau of Loans (hereinafter “the BOL”) was established in 1945". The BOL administers the Small Loan Act, Consumer Credit Act, Pawn Shop Act, Mortgage Brokers Licensing Act, Deferred Presentment Services Act and SAFE Act.		Alabama State Banking Department
as of 2026-09-16
Maximum legal interest rate (usury cap)6% per annum without a written contract; 8% per annum by written contract
Source says: "except by written contract is $6 upon $100 for one year"; "the rate of interest by written contract is not to exceed $8 upon $100 for one year". (Code text retrieved from the Alabama Legislature's official Code of Alabama service.)		Alabama Legislature — Code of Alabama 1975, § 8-8-1
as of 2026-09-16
Payday lending statusPermitted — deferred presentment services licensed by the supervisor; maximum advance $500; maximum fee 17.5% of amount advanced
Source says: "a maximum fee on any deferred presentment transaction not to exceed 17.5 percent of the amount advanced"; "The maximum amount that may be advanced in any deferred presentment transaction is five hundred dollars ($500)".		Alabama State Banking Department — Deferred Presentment Services Act (Code of Alabama §§ 5-18A-1 et seq.)
as of 2026-09-16

What shapes a Kansas personal loan

A Kansas personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 176 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Kansas. Because the payment is fixed, the total cost of a Kansas loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Kansas

Kansas covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 176 residents, the land area yields roughly 173 people per square mile. The state's population centre of gravity, Huntsville, is roughly 74 miles away. Within 50 miles of Kansas there are 80 larger Census places. Within the same 50 miles lie 6 smaller Census places.

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