Personal loans in Almena, KS

Every figure below is Kansas's own, applied to Almena's 353 residents, with the publisher and retrieval date attached. The Census estimates 353 residents in Almena, which ranks it 328th of 625 places in Kansas.

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.

With roughly 353 residents, Almena is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city. Census figures put the 2020-to-2023 decrease in Almena at about 3.0%. Decide the purpose of the loan and your repayment plan before sharing any details with a Almena lender. The nearest larger city is Norton, KS about 10 miles away.

Almena: population, trend and location

Set out below is Almena's local context next to the state-level rules that reach every lender here.

Where Almena sits

The Census Gazetteer records about 0.6 square miles of land within Almena, with no significant water area listed. The resulting density is about 583 people per square mile. Wichita, the largest place in Kansas, is about 198 miles from Almena. A 50-mile radius around Almena takes in 20 places that are larger. Within the same 50 miles lie 40 smaller Census places.

A practical checklist for Almena borrowers

A sensible order of operations for a loan in Almena, home to about 353 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  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. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Kansas; what changes is your credit file, not the fact that Almena holds 353 people.

Getting a loan in Almena

Almena is a moderately settled community of about 353 people, with 20 larger places inside a 50-mile radius. What is available to Almena's 353 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Norton, KS about 10 miles away.

How Kansas law applies in Almena

For the roughly 353 residents of Almena, the rules below are Kansas's own; each row carries its publisher and retrieval 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
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
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

Almena in state context

Within Kansas, Almena holds roughly 0.0% of all residents, the 328th-largest share among 625 places. Its 2020-to-2023 change ranks 522nd of 625 Kansas places, putting it near the 16th percentile for growth. By density, at about 583 people per square mile, it ranks 397th in Kansas. Between 2020 and 2023 the count changed by roughly 11 residents.

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