Personal loans in Agra, KS

Agra is a small community in Kansas, with an estimated 198 residents, and every licensed lender here follows the same state rulebook. The Census counts 198 people in Agra, the 399th-largest figure among Kansas's 625 places.

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.

For a bigger market, look to Kensington, KS about 5 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 4.8%. Consumer lending that reaches Agra's 198 residents is governed by Kansas statute; no city ordinance changes it. Read the disclosure for an origination fee and any prepayment penalty before signing in Agra.

Agra: the sourced local profile

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

What a Agra borrower is actually offered

A Agra personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 198 residents. Because pricing is borrower-level, two people in Agra can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Agra loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Agra

Agra covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 795 people per square mile. The state's population centre of gravity, Wichita, is roughly 172 miles away. A 50-mile radius around Agra takes in 29 places that are larger. By land area it ranks 480th of 625 Kansas places.

What Kansas law requires in Agra

Below are the Kansas rules that apply to a loan made in Agra, each with the regulator that issued it.

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

The Agra borrowing checklist

For Agra's roughly 198 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Agra and the rest of Kansas is not the process but the borrower's own file, among the 198 people here.

Agra's place among Kansas's 625 places

Within Kansas, Agra holds roughly 0.0% of all residents, the 399th-largest share among 625 places. On the 2020-to-2023 trend, Agra stands 606th among Kansas's 625 places — roughly the 3th percentile. Its roughly 795 residents per square mile place it 303rd among Kansas's places. By land area, its 0.2 square miles rank 480th of 625 places in Kansas.

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