Personal loans in Benedict, KS

For a borrower among the roughly 70 residents of Benedict, a personal loan is a tool whose cost turns on the terms, not the address. Benedict lost roughly 2.8% of its population across the 2020-to-2023 comparison.

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 70 residents, Benedict outranks about 12% of the communities in Kansas. Use the calculator on this page to price an amount and term before you commit in Benedict. Rate ceilings, licensing requirements and product limits for Benedict are all set at the Kansas level. A larger market lies at Buffalo, KS about 6 miles away.

Benedict by the numbers

What follows is Benedict's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Kansas consumer-lending rules applied in Benedict

The rows below set out what a licensed lender must follow in Kansas, and so for Benedict's roughly 70 residents.

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
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
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

Benedict: area, density and distance

Benedict covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 479 people per square mile. For the state's biggest city, Wichita, the distance is roughly 88 miles. Benedict has 65 larger places within a 50-mile radius. Within the same 50 miles lie 10 smaller Census places.

What to do before borrowing in Benedict

Complete these steps first when you borrow in Benedict (70 residents):

  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. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Kansas; what changes is your credit file, not the fact that Benedict holds 70 people.

The anatomy of a Benedict personal loan

Benedict is a small community of about 70 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Benedict. A longer term lowers the monthly payment on a Benedict loan but raises total interest, so the smallest payment is not the cheapest loan.

How Benedict compares across Kansas

Set beside Kansas's 625 places, Benedict ranks 549th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Benedict ranks 495th of 625 in Kansas (about the 21th percentile). At about 479 people per square mile, Benedict is the 454th most densely settled place in Kansas. By land area, its 0.1 square miles rank 580th 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 Benedict 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 Benedict is the same as anywhere in Kansas.
What loan size can I expect in Benedict?
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 Benedict?
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 Benedict 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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