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.
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.
- Population: 23 people, a figure that places Brownell 614th among the 625 Census places in Kansas (US Census Bureau, Vintage 2023).
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: roughly 2% of Kansas places rank below Brownell.
- Population density: 116 people per square mile on 0.2 square miles of land.
- Land area: Brownell covers 0.2 square miles, the 528th-largest area among Kansas's 625 places.
- State population share: Brownell accounts for about 0.0% of everyone in Kansas.
- National rank: Brownell sits 19,307th by population among the 19,457 places in this dataset.
- Growth rank: Brownell ranks 170th among Kansas's 625 places for the 2020-to-2023 change.
- State comparison: Kansas's places average -1.0% for 2020-to-2023, against Brownell's 0.0%.
- Density rank: Brownell is the 606th most densely settled place in Kansas.
- Density in context: Brownell's 116 people per square mile sit against a Kansas median of 764.
- Location: 38.6406, -99.7443 (Census Gazetteer coordinates).
- Nearest larger cities: Ransom (10 mi); McCracken (10 mi); Bazine (14 mi); Ness City (16 mi); Alexander (16 mi). Online lenders reach Brownell no matter how far the nearest branch is.
- Nearest smaller towns: Radium (56 mi); Frederick (80 mi); Cedar (82 mi).
- Within a 50-mile radius: 0 smaller Census places.
- At 100 miles: 159 larger Census places fall inside that radius.
What to do before borrowing in Brownell
Complete these steps first when you borrow in Brownell (23 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the Kansas regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- 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.
| 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 |
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.
Common questions
What are my options in Brownell if my credit is poor?
What loan size can I expect in Brownell?
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Does comparing loans in Brownell cost me credit score points?
Nearby places
- McCracken, KS — population 144
- Ransom, KS — population 254
- Bazine, KS — population 269
- Ness City, KS — population 1,311
- Alexander, KS — population 48
- Ellis, KS — population 1,921
- WaKeeney, KS — population 1,745
- Schoenchen, KS — population 169