Personal loans in Ulysses, KS

Ulysses counts about 5,616 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. A lender that serves Ulysses operates under Kansas lending statutes and a Kansas supervisor.

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.

By population, Ulysses sits at 60th in Kansas, with an estimated 5,616 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ulysses loan. Census figures put the 2020-to-2023 decrease in Ulysses at about 3.0%. A larger market lies at Garden City, KS about 39 miles away.

What the Census records for Ulysses

What follows is Ulysses's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Ulysses against the rest of Kansas

Within Kansas, Ulysses holds roughly 0.2% of all residents, the 60th-largest share among 625 places. Its 2020-to-2023 change ranks 521st of 625 Kansas places, putting it near the 17th percentile for growth. At about 1,740 people per square mile, Ulysses is the 52nd most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 175 residents.

What to do before borrowing in Ulysses

Before you hand your details to a lender in Ulysses, where the population is near 5,616:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Ulysses and the rest of Kansas is not the process but the borrower's own file, among the 5,616 people here.

Getting a loan in Ulysses

At roughly 1,740 people per square mile, Ulysses is moderately settled; 2 larger places lie within 50 miles. What is available to Ulysses's 5,616 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Garden City, KS about 39 miles away.

What shapes a Ulysses personal loan

A Ulysses personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 5,616 residents. Two numbers drive a Ulysses loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Ulysses loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Ulysses

The rows below set out what a licensed lender must follow in Kansas, and so for Ulysses's roughly 5,616 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
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
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 Ulysses 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 Ulysses is the same as anywhere in Kansas.
What loan size can I expect in Ulysses?
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 Ulysses?
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 Ulysses 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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