Personal loans in Delia, KS

Delia gained roughly 1.3% in population across the 2020-to-2023 comparison. With 152 residents, Delia outranks about 29% of the communities 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 roughly 152 people who live in Delia borrow under Kansas rules; city hall sets no personal-loan rate. Pull your credit reports and line up at least three offers before you apply from Delia. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Delia's 152 residents. Borrowers who want a bigger city can look to St. Marys, KS about 6 miles away.

What the Census records for Delia

Most of what governs a Delia loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

Delia: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Delia, with no significant water area listed. Spread across it are roughly 1,322 residents per square mile. The largest place in Kansas, Wichita, lies about 130 miles away. Within 50 miles of Delia there are 73 larger Census places. By land area it ranks 602nd of 625 Kansas places.

Getting a loan in Delia

At roughly 1,322 people per square mile, Delia is moderately settled; 73 larger places lie within 50 miles. Distance to a branch rarely matters for Delia's 152 residents: the application is online and the price follows your credit file. For a larger market, the closest option is St. Marys, KS about 6 miles away.

Inside a Delia personal loan

In Delia, a small community of about 152, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Delia loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Delia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Kansas law applies in Delia

The rows below set out what a licensed lender must follow in Kansas, and so for Delia's roughly 152 residents.

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

Steps to take before a Delia loan

A sensible order of operations for a loan in Delia, home to about 152 people:

  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. Line up several pre-qualified offers and let the APR decide.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

None of these steps is Delia-specific: the same Kansas licensing and disclosure rules reach all 152 residents.

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