Personal loans in Soldier, KS

For a borrower among the roughly 103 residents of Soldier, a personal loan is a tool whose cost turns on the terms, not the address. Soldier ranks 494th of 625 places in Kansas, with a population near 103.

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.

Population in Soldier climbed about 1.0% over the three years from 2020 to 2023. Consumer lending that reaches Soldier's 103 residents is governed by Kansas statute; no city ordinance changes it. If debt is already a strain, a nonprofit credit counsellor can help Soldier residents before they take on more. The next larger city is Circleville, KS about 6 miles away.

Soldier: population, trend and location

Most of what governs a Soldier loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

Soldier's place among Kansas's 625 places

Among Kansas's 625 places, Soldier sits at 494th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Soldier stands 69th among Kansas's 625 places — roughly the 89th percentile. Its roughly 701 residents per square mile place it 338th among Kansas's places. By land area, its 0.1 square miles rank 578th of 625 places in Kansas.

Steps to take before a Soldier loan

Before you apply in Soldier, a community of about 103, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Weigh a shorter term's higher payment against the interest it saves.

In Soldier as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 103 residents.

Soldier: area, density and distance

Soldier covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 701 people per square mile. For the state's biggest city, Wichita, the distance is roughly 148 miles. Soldier has 81 larger places within a 50-mile radius. The 100-mile radius contains 378 larger places.

Kansas rules behind a Soldier personal loan

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Soldier 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
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

What shapes a Soldier personal loan

In Soldier, a small community of about 103, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Soldier's 103 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Soldier loan but raises total interest, so the smallest payment is not the cheapest loan.

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