Personal loans in Coolidge, KS

Coolidge counts about 79 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. Coolidge ranks 534th of 625 places in Kansas, with a population near 79.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Coolidge lost roughly 1.2% of its population across the 2020-to-2023 comparison. Judge Coolidge offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Holly, CO about 6 miles away. For the 79 people in Coolidge, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

Coolidge: population, trend and location

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

What to do before borrowing in Coolidge

These steps shape the offer you get in Coolidge, a place of about 79 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Coolidge-specific: the same Kansas licensing and disclosure rules reach all 79 residents.

The geography behind Coolidge

Coolidge's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. With 79 residents, the land area yields roughly 183 people per square mile. The state's population centre of gravity, Wichita, is roughly 255 miles away. Within 50 miles of Coolidge there are 14 larger Census places. Within the same 50 miles lie 3 smaller Census places.

Coolidge's place among Kansas's 625 places

Coolidge is the 534th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 318th of 625 Kansas places, putting it near the 49th percentile for growth. Its roughly 183 residents per square mile place it 588th among Kansas's places. Between 2020 and 2023 the count changed by roughly 1 residents.

How personal loans work in Coolidge

With roughly 79 residents, Coolidge is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Coolidge can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Coolidge loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Coolidge

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Coolidge lender must follow.

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