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Personal loans in Randall, KS

With 78 residents, Randall outranks about 14% of the communities in Kansas. The trend for Randall between 2020 and 2023 is downward by roughly 2.5%. Personal loans in Randall are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 78 population. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Randall as from the rest of the state. Judge Randall offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Jewell, KS 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 Randall

Two layers matter for a Randall borrower: the local population picture and Kansas's consumer-lending statutes.

Where Randall sits in Kansas

Against Kansas's other places, Randall accounts for about 0.0% of the state's population and ranks 538th of 625 by size. On the 2020-to-2023 trend, Randall stands 473rd among Kansas's 625 places — roughly the 24th percentile. Its roughly 448 residents per square mile place it 464th among Kansas's places. By land area, its 0.2 square miles rank 552nd of 625 places in Kansas.

The Randall borrowing checklist

Before you apply in Randall, a community of about 78, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Randall and the rest of Kansas is not the process but the borrower's own file, among the 78 people here.

What Kansas law requires in Randall

Kansas has no separate rate rule for Randall; the sourced rows below are what reach every lender that serves its 78 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

How lenders reach Randall

At roughly 448 people per square mile, Randall is lightly settled; 55 larger places lie within 50 miles. What is available to Randall's 78 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Jewell, KS about 6 miles away.

Randall on the map

Randall's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 448 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 140 miles. Within 50 miles of Randall there are 55 larger Census places. Within the same 50 miles lie 21 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 Randall 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 Randall is the same as anywhere in Kansas.
What loan size can I expect in Randall?
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 Randall?
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 Randall 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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