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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

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.

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.

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

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:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. 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.

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

Nearby places

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