Personal loans in Richmond, KS

Richmond lost roughly 1.8% of its population across the 2020-to-2023 comparison. Richmond is a small community in Kansas, with an estimated 441 residents, and every licensed lender here follows the same state rulebook.

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.

At about 441 residents, Richmond is larger than roughly 54% of the places in Kansas. For a bigger market, look to Garnett, KS about 8 miles away. Consumer lending that reaches Richmond's 441 residents is governed by Kansas statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Richmond.

The Richmond data picture

The figures below are Richmond's own — Census population, land area and coordinates — followed by the Kansas rules.

Land, water and location for Richmond

Richmond's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,293 residents per square mile. The state's population centre of gravity, Wichita, is roughly 124 miles away. Counting outward 50 miles, 53 larger communities surround Richmond. By land area it ranks 396th of 625 Kansas places.

How lenders reach Richmond

With about 1,293 residents per square mile, Richmond is moderately settled, and 53 larger Census places sit within 50 miles. A Kansas licence lets a lender serve Richmond without a local office, so branch density does not change what its 441 residents are offered. The nearest bigger place is Garnett, KS about 8 miles away.

Richmond against the rest of Kansas

Set beside Kansas's 625 places, Richmond ranks 288th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Richmond stands 374th among Kansas's 625 places — roughly the 40th percentile. At about 1,293 people per square mile, Richmond is the 130th most densely settled place in Kansas. The population moved by about 8 people between 2020 and 2023, a 1.8% shift.

Kansas consumer-lending rules applied in Richmond

This table holds the Kansas rate and licensing rules for consumer loans made to Richmond's 441 residents.

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
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
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

Steps to take before a Richmond loan

A sensible order of operations for a loan in Richmond, home to about 441 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Kansas; what changes is your credit file, not the fact that Richmond holds 441 people.

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