Personal loans in Beverly, KS

Beverly counts about 134 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. The Census counts 134 people in Beverly, the 460th-largest figure among Kansas's 625 places.

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.

The closest larger city is Tescott, KS about 5 miles away. Beverly lost roughly 0.7% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Beverly's roughly 134 residents, and a state regulator supervises it. For a community of about 134, the practical step is to compare APR across at least three lenders before committing.

Where Beverly stands

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

How a Beverly personal loan is priced

A Beverly personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 134 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Beverly. Shortening the term on a Beverly loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Beverly against the rest of Kansas

Beverly is the 460th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Beverly ranks 253rd of 625 in Kansas (about the 60th percentile). By density, at about 673 people per square mile, it ranks 359th in Kansas. Between 2020 and 2023 the count changed by roughly 1 residents.

What Kansas law requires in Beverly

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

Lender access in Beverly

With about 673 residents per square mile, Beverly is moderately settled, and 43 larger Census places sit within 50 miles. What is available to Beverly's 134 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Tescott, KS about 5 miles away.

A practical checklist for Beverly borrowers

Before you hand your details to a lender in Beverly, where the population is near 134:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Beverly and the rest of Kansas is not the process but the borrower's own file, among the 134 people here.

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