Personal loans in Edwardsville, KS

Two households in Edwardsville with comparable incomes can still be offered different rates; the city's 4,641 residents are not the reason.

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.

For the 4,641 people in Edwardsville, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Edwardsville ranks 67th of 625 places in Kansas, with a population near 4,641. If debt is already a strain, a nonprofit credit counsellor can help Edwardsville residents before they take on more. From the 2020 Census base to the 2023 estimate, the population declined by about 1.6%. For a bigger market, look to Bonner Springs, KS about 3 miles away.

Local context for Edwardsville

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

Land, water and location for Edwardsville

Edwardsville's land area is about 9.0 square miles; a further 0.32 square miles is water. With 4,641 residents, the land area yields roughly 513 people per square mile. The largest place in Kansas, Wichita, lies about 167 miles away. Within 50 miles of Edwardsville there are 51 larger Census places. By land area it ranks 37th of 625 Kansas places.

How a Edwardsville personal loan is priced

A Edwardsville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,641 residents. A lender serving Edwardsville's 4,641 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Edwardsville decides the split between a comfortable payment and the total interest you pay.

The Kansas lending rules that reach Edwardsville

The rows below set out what a licensed lender must follow in Kansas, and so for Edwardsville's roughly 4,641 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
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

Getting a loan in Edwardsville

Edwardsville is moderately settled, with about 513 people per square mile and 51 larger places within 50 miles. Distance to a branch rarely matters for Edwardsville's 4,641 residents: the application is online and the price follows your credit file. The nearest larger city, Bonner Springs, KS about 3 miles away.

Where Edwardsville sits in Kansas

Within Kansas, Edwardsville holds roughly 0.2% of all residents, the 67th-largest share among 625 places. For population change between 2020 and 2023, Edwardsville ranks 354th of 625 in Kansas (about the 43th percentile). At about 513 people per square mile, Edwardsville is the 432nd most densely settled place in Kansas. By land area, its 9.0 square miles rank 37th of 625 places in Kansas.

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