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Personal loans in Madison, KS

At about 668 residents, Madison is larger than roughly 61% of the places in Kansas. A lender serving Madison holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 668 residents. If debt is already a strain, a nonprofit credit counsellor can help Madison residents before they take on more. For the 668 people in Madison, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Madison shed about 3.3% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Emporia, KS about 19 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.

Madison by the numbers

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

How Kansas law applies in Madison

Kansas has no separate rate rule for Madison; the sourced rows below are what reach every lender that serves its 668 people.

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

Madison: area, density and distance

Inside Madison's boundaries lie about 0.6 square miles of land, with no significant water area recorded. The resulting density is about 1,144 people per square mile. Wichita, the largest place in Kansas, is about 73 miles from Madison. Counting outward 50 miles, 19 larger communities surround Madison. By land area it ranks 291st of 625 Kansas places.

Lender access in Madison

At roughly 1,144 people per square mile, Madison is moderately settled; 19 larger places lie within 50 miles. Distance to a branch rarely matters for Madison's 668 residents: the application is online and the price follows your credit file. The nearest larger city, Emporia, KS about 19 miles away.

Before you apply in Madison

Before you apply in Madison, a community of about 668, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Madison and the rest of Kansas is not the process but the borrower's own file, among the 668 people here.

Where Madison sits in Kansas

Set beside Kansas's 625 places, Madison ranks 243rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Madison ranks 542nd of 625 in Kansas (about the 13th percentile). At about 1,144 people per square mile, Madison is the 174th most densely settled place in Kansas. Within 50 miles sit 48 smaller Census places, alongside the 19 that are larger.

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