Personal loans in Denison, KS

A 2020-to-2023 comparison shows Denison down by about 0.7%. About 144 people live in Denison, placing it 449th 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 roughly 144 people who live in Denison borrow under Kansas rules; city hall sets no personal-loan rate. Rate-shopping from Denison costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Lenders active in Denison report to a Kansas supervisor, identified in the sourced rows below. The next larger city is Mayetta, KS about 6 miles away.

Denison by the numbers

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

Denison's place among Kansas's 625 places

Against Kansas's other places, Denison accounts for about 0.0% of the state's population and ranks 449th of 625 by size. Its 2020-to-2023 change ranks 241st of 625 Kansas places, putting it near the 61th percentile for growth. Its roughly 1,286 residents per square mile place it 132nd among Kansas's places. In land area, Denison ranks 604th among Kansas's 625 places.

What Kansas law requires in Denison

Below are the Kansas rules that apply to a loan made in Denison, each with the regulator that issued it.

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
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
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

Denison: area, density and distance

Denison's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,286 people per square mile. The state's population centre of gravity, Wichita, is roughly 150 miles away. Within 50 miles of Denison there are 83 larger Census places. By land area it ranks 604th of 625 Kansas places.

The Denison borrowing checklist

Complete these steps first when you borrow in Denison (144 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Kansas; what changes is your credit file, not the fact that Denison holds 144 people.

What shapes a Denison personal loan

A Denison personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 144 residents. The APR tracks your credit score rather than Denison's rank of 449th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Denison decides the split between a comfortable payment and the total interest you pay.

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