Personal loans in Riley, KS

A lender that serves Riley operates under Kansas lending statutes and a Kansas supervisor. A lender serving Riley holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 929 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Riley ranks 203rd of 625 places in Kansas, with a population near 929. The 2020 count to the 2023 estimate shows about 1.5% decline in Riley. Compare APR, not the interest rate, because the APR folds in most fees on a Riley loan. The closest larger place is Manhattan, KS about 14 miles away.

Where Riley stands

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

What Kansas law requires in Riley

Read the table as a lender's compliance picture for Riley: the rule, the sourced figure, the publisher and the date.

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

Borrowing reach in Riley

With about 1,829 residents per square mile, Riley is moderately settled, and 18 larger Census places sit within 50 miles. Distance to a branch rarely matters for Riley's 929 residents: the application is online and the price follows your credit file. The nearest larger city, Manhattan, KS about 14 miles away.

The geography behind Riley

Riley's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,829 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 115 miles. Within 50 miles of Riley there are 18 larger Census places. Within the same 50 miles lie 61 smaller Census places.

Where Riley sits in Kansas

Among Kansas's 625 places, Riley sits at 203rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 341st of 625 Kansas places, putting it near the 45th percentile for growth. By density, at about 1,829 people per square mile, it ranks 40th in Kansas. By land area, its 0.5 square miles rank 312th of 625 places in Kansas.

The Riley borrowing checklist

Before you hand your details to a lender in Riley, where the population is near 929:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  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.

In Riley as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 929 residents.

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