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Personal loans in Ransom, KS

Ransom lost roughly 2.7% of its population across the 2020-to-2023 comparison. Ransom is a small community of about 254 residents, and a personal loan taken out here is governed by Kansas statute. Ransom is one of 625 Census places in Kansas; its 254 residents put it at 365th. The nearest larger city is Ness City, KS about 13 miles away. Rate ceilings, licensing requirements and product limits for Ransom are all set at the Kansas level. Decide the purpose of the loan and your repayment plan before sharing any details with a Ransom lender.

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.

Ransom by the numbers

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

Kansas consumer-lending rules applied in Ransom

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Ransom 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 a Ransom borrower is actually offered

In Ransom, a small community of about 254, 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 Ransom. The term you choose in Ransom decides the split between a comfortable payment and the total interest you pay.

Ransom's place among Kansas's 625 places

Within Kansas, Ransom holds roughly 0.0% of all residents, the 365th-largest share among 625 places. Its 2020-to-2023 change ranks 487th of 625 Kansas places, putting it near the 22th percentile for growth. By density, at about 724 people per square mile, it ranks 329th in Kansas. Within 50 miles sit 18 smaller Census places, alongside the 12 that are larger.

Before you apply in Ransom

Before you hand your details to a lender in Ransom, where the population is near 254:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Kansas; what changes is your credit file, not the fact that Ransom holds 254 people.

Lender access in Ransom

With about 724 residents per square mile, Ransom is moderately settled, and 12 larger Census places sit within 50 miles. What is available to Ransom's 254 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Ness City, KS about 13 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 Ransom 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 Ransom is the same as anywhere in Kansas.
What loan size can I expect in Ransom?
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 Ransom?
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 Ransom 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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