Personal loans in Argonia, KS

In Argonia, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. By population, Argonia sits at 282nd in Kansas, with an estimated 451 residents.

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.

A 2020-to-2023 comparison shows Argonia down by about 2.0%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Argonia's 451 residents. Pull your credit reports and line up at least three offers before you apply from Argonia. A larger market lies at Conway Springs, KS about 11 miles away.

Argonia by the numbers

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

Land, water and location for Argonia

Argonia covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 646 people per square mile. For the state's biggest city, Wichita, the distance is roughly 37 miles. Argonia has 44 larger places within a 50-mile radius. By land area it ranks 264th of 625 Kansas places.

Argonia in state context

Among Kansas's 625 places, Argonia sits at 282nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Argonia stands 401st among Kansas's 625 places — roughly the 36th percentile. At about 646 people per square mile, Argonia is the 367th most densely settled place in Kansas. The population moved by about 9 people between 2020 and 2023, a 2.0% shift.

The Kansas lending rules that reach Argonia

Below are the Kansas rules that apply to a loan made in Argonia, 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

Getting a loan in Argonia

With about 646 residents per square mile, Argonia is moderately settled, and 44 larger Census places sit within 50 miles. What is available to Argonia's 451 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Conway Springs, KS about 11 miles away.

The anatomy of a Argonia personal loan

A Argonia personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 451 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Argonia. Shortening the term on a Argonia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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