Personal loans in Palco, KS

The 2020 count to the 2023 estimate shows about 3.3% decline in Palco. With an estimated 203 residents, Palco is the 397th-largest of 625 places in Kansas.

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.

Palco, Kansas — home to about 203 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. Begin with the payment, then weigh APR and total interest across the lenders that reach Palco's 203 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Palco's 203 residents. For a bigger market, look to Plainville, KS about 14 miles away.

Where Palco stands

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

Inside a Palco personal loan

Most loans made to Palco's 203 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Palco lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Palco loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Palco

Kansas has no separate rate rule for Palco; the sourced rows below are what reach every lender that serves its 203 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
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
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

Borrowing reach in Palco

Palco is moderately settled, with about 757 people per square mile and 20 larger places within 50 miles. Lenders licensed in Kansas reach Palco's 203 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Plainville, KS about 14 miles away.

Palco on the map

Palco's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 757 residents per square mile. The largest place in Kansas, Wichita, lies about 161 miles away. A 50-mile radius around Palco takes in 20 places that are larger. The 100-mile radius contains 94 larger places.

Palco's place among Kansas's 625 places

Among Kansas's 625 places, Palco sits at 397th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 543rd of 625 Kansas places, putting it near the 13th percentile for growth. At about 757 people per square mile, Palco is the 315th most densely settled place in Kansas. The population moved by about 7 people between 2020 and 2023, a 3.3% shift.

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