Personal loans in Claflin, KS

A lender serving Claflin holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 543 residents. About 543 people live in Claflin, placing it 267th of 625 Census places in Kansas.

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.

The trend for Claflin between 2020 and 2023 is downward by roughly 2.9%. Consumer lending that reaches Claflin's 543 residents is governed by Kansas statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Claflin. The closest larger place is Ellinwood, KS about 12 miles away.

Claflin: population, trend and location

Two layers matter for a Claflin borrower: the local population picture and Kansas's consumer-lending statutes.

How lenders reach Claflin

Claflin is a moderately settled community of about 543 people, with 23 larger places inside a 50-mile radius. Whether Claflin has a local branch or not, a Kansas-licensed lender can serve its 543 people online on the same terms. The nearest larger city, Ellinwood, KS about 12 miles away.

The anatomy of a Claflin personal loan

Claflin is a small community of about 543 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Claflin can be quoted different APRs on the same amount and term. The term you choose in Claflin decides the split between a comfortable payment and the total interest you pay.

Where Claflin sits

The Census Gazetteer records about 0.3 square miles of land within Claflin, with no significant water area listed. The resulting density is about 1,602 people per square mile. Wichita, the largest place in Kansas, is about 87 miles from Claflin. Counting outward 50 miles, 23 larger communities surround Claflin. By land area it ranks 398th of 625 Kansas places.

What Kansas law requires in Claflin

For the roughly 543 residents of Claflin, 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
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

Claflin's place among Kansas's 625 places

Within Kansas, Claflin holds roughly 0.0% of all residents, the 267th-largest share among 625 places. For population change between 2020 and 2023, Claflin ranks 505th of 625 in Kansas (about the 19th percentile). By density, at about 1,602 people per square mile, it ranks 70th in Kansas. Within 50 miles sit 49 smaller Census places, alongside the 23 that are larger.

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