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Personal loans in Waterville, KS

Waterville, Kansas — home to about 652 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. From the 2020 Census base to the 2023 estimate, the population declined by about 1.4%. Roughly 652 residents live in Waterville, the 249th-largest community in Kansas. For a community of about 652, the practical step is to compare APR across at least three lenders before committing. State law, not city hall, decides what a lender may do to Waterville's roughly 652 residents, and a state regulator supervises it. A larger market lies at Blue Rapids, KS about 5 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.

Waterville: population, trend and location

Waterville is a small community; the notes below cover its population profile and the statewide rules that apply.

The Kansas lending rules that reach Waterville

Read the table as a lender's compliance picture for Waterville: 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
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

Waterville against the rest of Kansas

Within Kansas, Waterville holds roughly 0.0% of all residents, the 249th-largest share among 625 places. For population change between 2020 and 2023, Waterville ranks 330th of 625 in Kansas (about the 47th percentile). By density, at about 1,325 people per square mile, it ranks 122nd in Kansas. By land area, its 0.5 square miles rank 324th of 625 places in Kansas.

The Waterville borrowing checklist

Before you hand your details to a lender in Waterville, where the population is near 652:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Kansas; what changes is your credit file, not the fact that Waterville holds 652 people.

Where Waterville sits

Waterville covers about 0.5 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,325 residents per square mile. Wichita, the largest place in Kansas, is about 142 miles from Waterville. Within 50 miles of Waterville there are 24 larger Census places. Within the same 50 miles lie 65 smaller Census places.

What shapes a Waterville personal loan

With roughly 652 residents, Waterville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Waterville can be quoted different APRs on the same amount and term. The term you choose in Waterville decides the split between a comfortable payment and the total interest you pay.

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