Personal loans in Brownell, KS

A personal loan in Brownell is priced from your credit file and income, not from the fact that the city holds 23 people. The Census counts 23 people in Brownell, the 614th-largest figure among Kansas's 625 places.

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.

The closest larger place is Ransom, KS about 10 miles away. Brownell's population held flat through the 2020-to-2023 comparison. To lend to Brownell's 23 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. For a community of about 23, the practical step is to compare APR across at least three lenders before committing.

The Brownell data picture

Here is the sourced Census picture for Brownell, plus the Kansas lending rules that apply to a loan taken out here.

What to do before borrowing in Brownell

Complete these steps first when you borrow in Brownell (23 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Brownell as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 23 residents.

Brownell against the rest of Kansas

Among Kansas's 625 places, Brownell sits at 614th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Brownell ranks 170th of 625 in Kansas (about the 73th percentile). By density, at about 116 people per square mile, it ranks 606th in Kansas. In land area, Brownell ranks 528th among Kansas's 625 places.

Where Brownell sits

Brownell's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 116 people per square mile. Wichita, the largest place in Kansas, is about 146 miles from Brownell. A 50-mile radius around Brownell takes in 38 places that are larger. Within the same 50 miles lie 0 smaller Census places.

Which Kansas laws govern a loan in Brownell

This table holds the Kansas rate and licensing rules for consumer loans made to Brownell's 23 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
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

How personal loans work in Brownell

With roughly 23 residents, Brownell is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Brownell lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Brownell loan is knowable in advance — unlike a revolving card balance.

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