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Personal loans in Prescott, KS

At about 212 residents, Prescott is larger than roughly 38% of the places in Kansas. With roughly 212 residents, Prescott is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city. Read the disclosure for an origination fee and any prepayment penalty before signing in Prescott. For the 212 people in Prescott, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Prescott added about 2.9% to its population between the 2020 base and the 2023 estimate. The closest larger city is Hume, MO about 6 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.

What the Census records for Prescott

Prescott is a small community; the notes below cover its population profile and the statewide rules that apply.

Borrowing reach in Prescott

Prescott is moderately settled, with about 744 people per square mile and 59 larger places within 50 miles. Whether Prescott has a local branch or not, a Kansas-licensed lender can serve its 212 people online on the same terms. For a larger market, the closest option is Hume, MO about 6 miles away.

What to do before borrowing in Prescott

Before you apply in Prescott, a community of about 212, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Kansas; what changes is your credit file, not the fact that Prescott holds 212 people.

The state rulebook for Prescott

Below are the Kansas rules that apply to a loan made in Prescott, 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
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

How Prescott compares across Kansas

Against Kansas's other places, Prescott accounts for about 0.0% of the state's population and ranks 388th of 625 by size. Its 2020-to-2023 change ranks 27th of 625 Kansas places, putting it near the 96th percentile for growth. At about 744 people per square mile, Prescott is the 322nd most densely settled place in Kansas. The population moved by about 6 people between 2020 and 2023, a 2.9% shift.

Prescott: area, density and distance

The Census Gazetteer records 0.3 square miles of land and 0.02 square miles of water within Prescott. The resulting density is about 744 people per square mile. For the state's biggest city, Wichita, the distance is roughly 147 miles. Prescott has 59 larger places within a 50-mile radius. Within the same 50 miles lie 35 smaller Census 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 Prescott 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 Prescott is the same as anywhere in Kansas.
What loan size can I expect in Prescott?
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 Prescott?
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 Prescott 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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