Personal loans in Durham, KS

State law, not city hall, decides what a lender may do to Durham's roughly 92 residents, and a state regulator supervises it. Durham is one of 625 Census places in Kansas; its 92 residents put it at 508th.

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.

In Durham, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. Census figures show Durham holding steady across 2020 to 2023. Pull your credit reports and line up at least three offers before you apply from Durham. The closest larger place is Tampa, KS about 6 miles away.

Durham by the numbers

The figures below are Durham's own — Census population, land area and coordinates — followed by the Kansas rules.

How Durham compares across Kansas

Set beside Kansas's 625 places, Durham ranks 508th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Durham stands 137th among Kansas's 625 places — roughly the 78th percentile. At about 529 people per square mile, Durham is the 422nd most densely settled place in Kansas. In land area, Durham ranks 551st among Kansas's 625 places.

Kansas consumer-lending rules applied in Durham

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Durham 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
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

What is available to Durham borrowers

Durham is a moderately settled community of about 92 people, with 64 larger places inside a 50-mile radius. Distance to a branch rarely matters for Durham's 92 residents: the application is online and the price follows your credit file. The nearest bigger place is Tampa, KS about 6 miles away.

Before you apply in Durham

Complete these steps first when you borrow in Durham (92 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Durham as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 92 residents.

Where Durham sits

Durham covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 529 residents per square mile. The largest place in Kansas, Wichita, lies about 55 miles away. A 50-mile radius around Durham takes in 64 places that are larger. Within the same 50 miles lie 13 smaller Census 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 Durham 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 Durham is the same as anywhere in Kansas.
What loan size can I expect in Durham?
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 Durham?
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 Durham 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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