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Personal loans in Waverly, KS

Two households in Waverly with comparable incomes can still be offered different rates; the city's 559 residents are not the reason. For the 559 people in Waverly, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. With an estimated 559 residents, Waverly is the 265th-largest of 625 places in Kansas. If debt is already a strain, a nonprofit credit counsellor can help Waverly residents before they take on more. Waverly shed about 2.1% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Lebo, KS about 14 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.

What the Census records for Waverly

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

How a Waverly personal loan is priced

A Waverly personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 559 residents. The APR tracks your credit score rather than Waverly's rank of 265th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Waverly loan is knowable in advance — unlike a revolving card balance.

How Kansas law applies in Waverly

The rows below set out what a licensed lender must follow in Kansas, and so for Waverly's roughly 559 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
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

How Waverly compares across Kansas

Within Kansas, Waverly holds roughly 0.0% of all residents, the 265th-largest share among 625 places. For population change between 2020 and 2023, Waverly ranks 425th of 625 in Kansas (about the 32th percentile). Its roughly 764 residents per square mile place it 313th among Kansas's places. Within 50 miles sit 41 smaller Census places, alongside the 33 that are larger.

The Waverly borrowing checklist

Complete these steps first when you borrow in Waverly (559 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  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. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

In Waverly as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 559 residents.

How lenders reach Waverly

At roughly 764 people per square mile, Waverly is moderately settled; 33 larger places lie within 50 miles. Distance to a branch rarely matters for Waverly's 559 residents: the application is online and the price follows your credit file. The nearest bigger place is Lebo, KS about 14 miles away.

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

Nearby places

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