Personal loans in Cunningham, KS

Two households in Cunningham with comparable incomes can still be offered different rates; the city's 412 residents are not the reason. A 2020-to-2023 comparison shows Cunningham down by about 6.8%.

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.

With an estimated 412 residents, Cunningham is the 302nd-largest of 625 places in Kansas. Compare APR, not the interest rate, because the APR folds in most fees on a Cunningham loan. To lend to Cunningham's 412 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The nearest larger city is Kingman, KS about 17 miles away.

What the Census records for Cunningham

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

Getting a loan in Cunningham

With about 900 residents per square mile, Cunningham is moderately settled, and 31 larger Census places sit within 50 miles. What is available to Cunningham's 412 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Kingman, KS about 17 miles away.

Cunningham in state context

Against Kansas's other places, Cunningham accounts for about 0.0% of the state's population and ranks 302nd of 625 by size. For population change between 2020 and 2023, Cunningham ranks 618th of 625 in Kansas (about the 1th percentile). Its roughly 900 residents per square mile place it 258th among Kansas's places. The population moved by about 30 people between 2020 and 2023, a 6.8% shift.

Kansas consumer-lending rules applied in Cunningham

Read the table as a lender's compliance picture for Cunningham: 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

What shapes a Cunningham personal loan

Cunningham is a small community of about 412 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Cunningham's 412 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Cunningham loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Cunningham

Cunningham covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 412 residents, the land area yields roughly 900 people per square mile. The state's population centre of gravity, Wichita, is roughly 59 miles away. Counting outward 50 miles, 31 larger communities surround Cunningham. The 100-mile radius contains 125 larger places.

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