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Personal loans in Yates Center, KS

Population in Yates Center dropped about 2.0% over the three years from 2020 to 2023. An estimated 1,327 people make their home in Yates Center, a figure that ranks 156th in Kansas. Yates Center is a small community in Kansas, with an estimated 1,327 residents, and every licensed lender here follows the same state rulebook. Decide the purpose of the loan and your repayment plan before sharing any details with a Yates Center lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Yates Center's 1,327 residents. The nearest larger metro is Humboldt, KS about 18 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.

The Yates Center data picture

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

Steps to take before a Yates Center loan

Before you hand your details to a lender in Yates Center, where the population is near 1,327:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Yates Center-specific: the same Kansas licensing and disclosure rules reach all 1,327 residents.

The anatomy of a Yates Center personal loan

Yates Center is a small community of about 1,327 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Yates Center's rank of 156th 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 Yates Center loan is knowable in advance — unlike a revolving card balance.

How Kansas law applies in Yates Center

Kansas has no separate rate rule for Yates Center; the sourced rows below are what reach every lender that serves its 1,327 people.

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

The geography behind Yates Center

Yates Center's land area is about 2.5 square miles; a further 0.43 square miles is water. That land carries about 525 people per square mile. The state's population centre of gravity, Wichita, is roughly 88 miles away. Yates Center has 12 larger places within a 50-mile radius. By land area it ranks 96th of 625 Kansas places.

Getting a loan in Yates Center

At roughly 525 people per square mile, Yates Center is moderately settled; 12 larger places lie within 50 miles. A Kansas licence lets a lender serve Yates Center without a local office, so branch density does not change what its 1,327 residents are offered. For a larger market, the closest option is Humboldt, KS about 18 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 Yates Center 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 Yates Center is the same as anywhere in Kansas.
What loan size can I expect in Yates Center?
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 Yates Center?
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 Yates Center 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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