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Personal loans in Smolan, KS

For the 160 people in Smolan, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. With an estimated 160 residents, Smolan is the 434th-largest of 625 places in Kansas. A lender serving Smolan holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 160 residents. Population in Smolan dropped about 1.8% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Smolan's 160 residents are no exception. Borrowers who want a bigger city can look to Assaria, 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.

Smolan: population, trend and location

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

What shapes a Smolan personal loan

A Smolan personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 160 residents. Two numbers drive a Smolan loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Smolan loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Smolan

Smolan's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,441 residents per square mile. The largest place in Kansas, Wichita, lies about 75 miles away. A 50-mile radius around Smolan takes in 50 places that are larger. By land area it ranks 606th of 625 Kansas places.

Which Kansas laws govern a loan in Smolan

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Smolan lender must follow.

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

The Smolan borrowing checklist

Before you apply in Smolan, a community of about 160, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Smolan and the rest of Kansas is not the process but the borrower's own file, among the 160 people here.

Smolan against the rest of Kansas

Set beside Kansas's 625 places, Smolan ranks 434th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Smolan ranks 385th of 625 in Kansas (about the 38th percentile). Its roughly 1,441 residents per square mile place it 98th among Kansas's places. Within 50 miles sit 20 smaller Census places, alongside the 50 that are larger.

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