Personal loans in Minneapolis, KS

At about 1,936 residents, Minneapolis is larger than roughly 80% of the places in Kansas. Personal loans in Minneapolis are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,936 population.

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Minneapolis loan. State law, not city hall, decides what a lender may do to Minneapolis's roughly 1,936 residents, and a state regulator supervises it. Minneapolis shed about 0.2% of its population between the 2020 base and the 2023 estimate. A larger market lies at Salina, KS about 22 miles away.

Where Minneapolis stands

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

Where Minneapolis sits in Kansas

Against Kansas's other places, Minneapolis accounts for about 0.1% of the state's population and ranks 122nd of 625 by size. For population change between 2020 and 2023, Minneapolis ranks 187th of 625 in Kansas (about the 70th percentile). Its roughly 1,056 residents per square mile place it 204th among Kansas's places. Between 2020 and 2023 the count changed by roughly 4 residents.

The anatomy of a Minneapolis personal loan

In Minneapolis, a small community of about 1,936, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Minneapolis's rank of 122nd in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Minneapolis decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Minneapolis

Below are the Kansas rules that apply to a loan made in Minneapolis, each with the regulator that issued it.

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

Land, water and location for Minneapolis

Inside Minneapolis's boundaries lie about 1.8 square miles of land, with no significant water area recorded. That land carries about 1,056 people per square mile. The largest place in Kansas, Wichita, lies about 101 miles away. A 50-mile radius around Minneapolis takes in 9 places that are larger. The 100-mile radius contains 42 larger places.

What is available to Minneapolis borrowers

Minneapolis is a moderately settled community of about 1,936 people, with 9 larger places inside a 50-mile radius. Distance to a branch rarely matters for Minneapolis's 1,936 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Salina, KS about 22 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 Minneapolis 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 Minneapolis is the same as anywhere in Kansas.
What loan size can I expect in Minneapolis?
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 Minneapolis?
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 Minneapolis 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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