Personal loans in Mahaska, KS

If you are weighing a personal loan in Mahaska, start from the payment you can carry; its 43 residents face the same statewide rules. Census figures show Mahaska holding steady across 2020 to 2023. About 43 people live in Mahaska, placing it 588th of 625 Census places in Kansas. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Mahaska loan. Consumer lending that reaches Mahaska's 43 residents is governed by Kansas statute; no city ordinance changes it. A larger market lies at Narka, KS about 4 miles away.

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.

The Mahaska data picture

What follows is Mahaska's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Mahaska's place among Kansas's 625 places

Within Kansas, Mahaska holds roughly 0.0% of all residents, the 588th-largest share among 625 places. For population change between 2020 and 2023, Mahaska ranks 155th of 625 in Kansas (about the 75th percentile). At about 193 people per square mile, Mahaska is the 584th most densely settled place in Kansas. By land area, its 0.2 square miles rank 510th of 625 places in Kansas.

Lender access in Mahaska

Mahaska is a lightly settled community of about 43 people, with 86 larger places inside a 50-mile radius. What is available to Mahaska's 43 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Narka, KS about 4 miles away.

Where Mahaska sits

Inside Mahaska's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 193 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 159 miles. Mahaska has 86 larger places within a 50-mile radius. By land area it ranks 510th of 625 Kansas places.

A practical checklist for Mahaska borrowers

These steps shape the offer you get in Mahaska, a place of about 43 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Mahaska-specific: the same Kansas licensing and disclosure rules reach all 43 residents.

Kansas consumer-lending rules applied in Mahaska

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

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
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
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".
Kansas Office of the Revisor of Statutes
as of 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.

Common questions

What are my options in Mahaska 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 Mahaska is the same as anywhere in Kansas.
What loan size can I expect in Mahaska?
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 Mahaska?
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 Mahaska 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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