Personal loans in Mound Valley, KS

Mound Valley is a small community in Kansas, with an estimated 347 residents, and every licensed lender here follows the same state rulebook. Mound Valley is one of 625 Census places in Kansas; its 347 residents put it at 332nd.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Mound Valley loan. Mound Valley lost roughly 0.9% of its population across the 2020-to-2023 comparison. Which products a lender may offer to Mound Valley's 347 residents follows from the Kansas consumer-lending framework. The nearest larger metro is Altamont, KS about 6 miles away.

Mound Valley: population, trend and location

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

Where Mound Valley sits in Kansas

Against Kansas's other places, Mound Valley accounts for about 0.0% of the state's population and ranks 332nd of 625 by size. Its 2020-to-2023 change ranks 269th of 625 Kansas places, putting it near the 57th percentile for growth. At about 540 people per square mile, Mound Valley is the 413th most densely settled place in Kansas. The population moved by about 3 people between 2020 and 2023, a 0.9% shift.

Borrowing reach in Mound Valley

Mound Valley is a moderately settled community of about 347 people, with 53 larger places inside a 50-mile radius. What is available to Mound Valley's 347 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Altamont, KS about 6 miles away.

Which Kansas laws govern a loan in Mound Valley

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Mound Valley 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

What shapes a Mound Valley personal loan

In Mound Valley, a small community of about 347, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Mound Valley. Because the payment is fixed, the total cost of a Mound Valley loan is knowable in advance — unlike a revolving card balance.

Mound Valley on the map

Inside Mound Valley's boundaries lie about 0.6 square miles of land, with no significant water area recorded. The resulting density is about 540 people per square mile. For the state's biggest city, Wichita, the distance is roughly 112 miles. Mound Valley has 53 larger places within a 50-mile radius. By land area it ranks 272nd of 625 Kansas 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 Mound Valley 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 Mound Valley is the same as anywhere in Kansas.
What loan size can I expect in Mound Valley?
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 Mound Valley?
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 Mound Valley 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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