Personal loans in Assaria, KS
A lender serving Assaria holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 423 residents. Assaria is one of 625 Census places in Kansas; its 423 residents put it at 298th.
Assaria lost roughly 1.2% of its population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from Assaria. Borrowers who want a bigger city can look to Lindsborg, KS about 8 miles away. Every figure below is Kansas's own, applied to Assaria's 423 residents, with the publisher and retrieval date attached.
Borrowing in Assaria: the local picture
Assaria is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 423 residents in Assaria (Vintage 2023 subcounty estimate), the 298th-largest figure among Kansas's 625 places.
- Population trend: Lower by roughly 1.2% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
- Size percentile: with 423 residents, Assaria is larger than about 52% of Kansas's Census places.
- Population density: 1,808 people per square mile on 0.2 square miles of land.
- Land area rank: Assaria's 0.2 square miles rank 494th of 625 places in Kansas.
- State population share: Assaria accounts for about 0.0% of everyone in Kansas.
- National standing: Assaria ranks 13,854th of 19,457 US places.
- Growth rank: Assaria ranks 309th among Kansas's 625 places for the 2020-to-2023 change.
- Against the state trend: Assaria's 1.2% change compares with a Kansas average of -1.0% across its 625 places.
- Density rank: Assaria places 44th among Kansas's places by people per square mile.
- Density vs Kansas: Assaria's 1,808 people per square mile compare with a state median of 764.
- Location: the Census Gazetteer records it at 38.6802, -97.6041.
- Nearest larger cities: Lindsborg (8 mi); Salina (9 mi); Marquette (15 mi); Galva (21 mi); Solomon (21 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Smolan (6 mi); Gypsum (10 mi); New Cambria (15 mi), each with its own Census population profile.
- Smaller places within 50 miles: 35 of them.
- At 100 miles: 136 larger Census places fall inside that radius.
The geography behind Assaria
The Census Gazetteer records about 0.2 square miles of land within Assaria, with no significant water area listed. Spread across it are roughly 1,808 residents per square mile. The largest place in Kansas, Wichita, lies about 70 miles away. Assaria has 41 larger places within a 50-mile radius. The 100-mile radius contains 136 larger places.
The Kansas lending rules that reach Assaria
When Kansas does not publish a figure, the row links to the source instead of inventing a number; Assaria is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 status | Permitted 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 |
Lender access in Assaria
Assaria is moderately settled, with about 1,808 people per square mile and 41 larger places within 50 miles. Distance to a branch rarely matters for Assaria's 423 residents: the application is online and the price follows your credit file. The nearest bigger place is Lindsborg, KS about 8 miles away.
Where Assaria sits in Kansas
Against Kansas's other places, Assaria accounts for about 0.0% of the state's population and ranks 298th of 625 by size. On the 2020-to-2023 trend, Assaria stands 309th among Kansas's 625 places — roughly the 51th percentile. By density, at about 1,808 people per square mile, it ranks 44th in Kansas. The population moved by about 5 people between 2020 and 2023, a 1.2% shift.
A practical checklist for Assaria borrowers
A sensible order of operations for a loan in Assaria, home to about 423 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Kansas regulator's licence records before you sign.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Kansas; what changes is your credit file, not the fact that Assaria holds 423 people.
Common questions
What are my options in Assaria if my credit is poor?
What loan size can I expect in Assaria?
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Does comparing loans in Assaria cost me credit score points?
Nearby places
- Smolan, KS — population 160
- Lindsborg, KS — population 3,811
- Salina, KS — population 45,792
- Gypsum, KS — population 392
- New Cambria, KS — population 106
- Marquette, KS — population 592
- Brookville, KS — population 236
- Galva, KS — population 829