Personal loans in Stark, KS

Stark, Kansas — home to about 66 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. With 66 residents, Stark outranks about 11% of the communities in Kansas.

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.

The nearest larger metro is Savonburg, KS about 4 miles away. Stark lost roughly 2.9% of its population across the 2020-to-2023 comparison. To lend to Stark's 66 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. Use the calculator on this page to price an amount and term before you commit in Stark.

The Stark data picture

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

Stark's place among Kansas's 625 places

Within Kansas, Stark holds roughly 0.0% of all residents, the 555th-largest share among 625 places. Its 2020-to-2023 change ranks 515th of 625 Kansas places, putting it near the 18th percentile for growth. Its roughly 402 residents per square mile place it 479th among Kansas's places. Within 50 miles sit 12 smaller Census places, alongside the 81 that are larger.

Steps to take before a Stark loan

Complete these steps first when you borrow in Stark (66 residents):

  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. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

In Stark as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 66 residents.

What is available to Stark borrowers

At roughly 402 people per square mile, Stark is lightly settled; 81 larger places lie within 50 miles. A Kansas licence lets a lender serve Stark without a local office, so branch density does not change what its 66 residents are offered. The nearest larger city, Savonburg, KS about 4 miles away.

How a Stark personal loan is priced

In Stark, a small community of about 66, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Stark loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Stark loan but raises total interest, so the smallest payment is not the cheapest loan.

What Kansas law requires in Stark

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Stark 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
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
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 Stark 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 Stark is the same as anywhere in Kansas.
What loan size can I expect in Stark?
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 Stark?
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 Stark 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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