Personal loans in Carbondale, KS

The 2020 count to the 2023 estimate shows about 2.5% decline in Carbondale. Carbondale is a small community of about 1,318 residents, and a personal loan taken out here is governed by Kansas statute.

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.

Carbondale ranks 158th of 625 places in Kansas, with a population near 1,318. Borrowers who want a bigger city can look to Osage City, KS about 15 miles away. Which products a lender may offer to Carbondale's 1,318 residents follows from the Kansas consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Carbondale.

Where Carbondale stands

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

Before you apply in Carbondale

Complete these steps first when you borrow in Carbondale (1,318 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  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. 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. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Carbondale as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 1,318 residents.

The Kansas lending rules that reach Carbondale

Read the table as a lender's compliance picture for Carbondale: the rule, the sourced figure, the publisher and the date.

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

How Carbondale compares across Kansas

Against Kansas's other places, Carbondale accounts for about 0.1% of the state's population and ranks 158th of 625 by size. On the 2020-to-2023 trend, Carbondale stands 475th among Kansas's 625 places — roughly the 24th percentile. At about 1,803 people per square mile, Carbondale is the 45th most densely settled place in Kansas. Within 50 miles sit 59 smaller Census places, alongside the 26 that are larger.

The geography behind Carbondale

Inside Carbondale's boundaries lie roughly 0.7 square miles of land and 0.02 square miles of water. The resulting density is about 1,803 people per square mile. For the state's biggest city, Wichita, the distance is roughly 119 miles. Within 50 miles of Carbondale there are 26 larger Census places. By land area it ranks 253rd of 625 Kansas places.

How lenders reach Carbondale

Carbondale is moderately settled, with about 1,803 people per square mile and 26 larger places within 50 miles. Whether Carbondale has a local branch or not, a Kansas-licensed lender can serve its 1,318 people online on the same terms. The nearest bigger place is Osage City, KS about 15 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 Carbondale 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 Carbondale is the same as anywhere in Kansas.
What loan size can I expect in Carbondale?
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 Carbondale?
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 Carbondale 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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