Personal loans in Burr Oak, KS

Population in Burr Oak dropped about 3.5% over the three years from 2020 to 2023. Burr Oak ranks 457th of 625 places in Kansas, with a population near 136.

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.

A personal loan in Burr Oak is priced from your credit file and income, not from the fact that the city holds 136 people. Judge Burr Oak offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Burr Oak's roughly 136 residents, and a state regulator supervises it. For a bigger market, look to Mankato, KS about 8 miles away.

Burr Oak: population, trend and location

Most of what governs a Burr Oak loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

Inside a Burr Oak personal loan

Burr Oak is a small community of about 136 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Burr Oak lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Burr Oak loan but raises total interest, so the smallest payment is not the cheapest loan.

Burr Oak in state context

Set beside Kansas's 625 places, Burr Oak ranks 457th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Burr Oak ranks 553rd of 625 in Kansas (about the 12th percentile). Its roughly 165 residents per square mile place it 593rd among Kansas's places. Within 50 miles sit 35 smaller Census places, alongside the 39 that are larger.

Burr Oak on the map

Burr Oak's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. With 136 residents, the land area yields roughly 165 people per square mile. The largest place in Kansas, Wichita, lies about 159 miles away. A 50-mile radius around Burr Oak takes in 39 places that are larger. The 100-mile radius contains 202 larger places.

Kansas consumer-lending rules applied in Burr Oak

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

What is available to Burr Oak borrowers

With about 165 residents per square mile, Burr Oak is lightly settled, and 39 larger Census places sit within 50 miles. What is available to Burr Oak's 136 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mankato, KS about 8 miles away.

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