Personal loans in Chase, KS

Chase lost roughly 2.0% of its population across the 2020-to-2023 comparison. The roughly 389 people who live in Chase borrow under Kansas rules; city hall sets no personal-loan rate.

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.

At about 389 residents, Chase is larger than roughly 50% of the places in Kansas. A larger market lies at Lyons, KS about 8 miles away. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Chase as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Chase loan.

Chase by the numbers

Chase is a small community; the notes below cover its population profile and the statewide rules that apply.

Kansas rules behind a Chase personal loan

For the roughly 389 residents of Chase, the rules below are Kansas's own; each row carries its publisher and retrieval 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
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		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

Chase in state context

Among Kansas's 625 places, Chase sits at 310th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Chase stands 417th among Kansas's 625 places — roughly the 33th percentile. By density, at about 1,399 people per square mile, it ranks 108th in Kansas. Within 50 miles sit 39 smaller Census places, alongside the 33 that are larger.

How personal loans work in Chase

Most loans made to Chase's 389 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Chase loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Chase loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Chase

Chase is moderately settled, with about 1,399 people per square mile and 33 larger places within 50 miles. Whether Chase has a local branch or not, a Kansas-licensed lender can serve its 389 people online on the same terms. The nearest bigger place is Lyons, KS about 8 miles away.

The Chase borrowing checklist

These steps shape the offer you get in Chase, a place of about 389 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

What differs between Chase and the rest of Kansas is not the process but the borrower's own file, among the 389 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 Chase 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 Chase is the same as anywhere in Kansas.
What loan size can I expect in Chase?
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 Chase?
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 Chase 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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