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Personal loans in Raymond, KS

Roughly 85 residents live in Raymond, the 522nd-largest community in Kansas. Raymond is a small community in Kansas, with an estimated 85 residents, and every licensed lender here follows the same state rulebook. Raymond's population was effectively unchanged from the 2020 count to the 2023 estimate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Raymond's 85 residents are no exception. Which products a lender may offer to Raymond's 85 residents follows from the Kansas consumer-lending framework. The next larger city is Alden, 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.

Raymond: the sourced local profile

Set out below is Raymond's local context next to the state-level rules that reach every lender here.

How Raymond compares across Kansas

Among Kansas's 625 places, Raymond sits at 522nd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 141st of 625 Kansas places, putting it near the 77th percentile for growth. By density, at about 274 people per square mile, it ranks 544th in Kansas. By land area, its 0.3 square miles rank 425th of 625 places in Kansas.

The geography behind Raymond

Raymond's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 274 people per square mile. Wichita, the largest place in Kansas, is about 71 miles from Raymond. Raymond has 57 larger places within a 50-mile radius. By land area it ranks 425th of 625 Kansas places.

How Kansas law applies in Raymond

These are Kansas's sourced lending facts as they reach Raymond's 85 residents; the state has no city-level rate rule.

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 Raymond personal loan

Raymond is a small community of about 85 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Raymond can be quoted different APRs on the same amount and term. Shortening the term on a Raymond loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Raymond

Raymond is lightly settled, with about 274 people per square mile and 57 larger places within 50 miles. Whether Raymond has a local branch or not, a Kansas-licensed lender can serve its 85 people online on the same terms. For a larger market, the closest option is Alden, KS about 6 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 Raymond 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 Raymond is the same as anywhere in Kansas.
What loan size can I expect in Raymond?
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 Raymond?
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 Raymond 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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