Personal loans in Elk Falls, KS

A lender serving Elk Falls holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 111 residents. An estimated 111 people make their home in Elk Falls, a figure that ranks 483rd in Kansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. Every figure below is Kansas's own, applied to Elk Falls's 111 residents, with the publisher and retrieval date attached. Judge Elk Falls offers on total cost, not on how quickly the money arrives. The nearest larger metro is Moline, KS about 6 miles away.

The Elk Falls data picture

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

A pre-application checklist for Elk Falls

Complete these steps first when you borrow in Elk Falls (111 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Elk Falls and the rest of Kansas is not the process but the borrower's own file, among the 111 people here.

How lenders reach Elk Falls

Elk Falls is a lightly settled community of about 111 people, with 43 larger places inside a 50-mile radius. Whether Elk Falls has a local branch or not, a Kansas-licensed lender can serve its 111 people online on the same terms. The nearest bigger place is Moline, KS about 6 miles away.

Kansas consumer-lending rules applied in Elk Falls

The rows below set out what a licensed lender must follow in Kansas, and so for Elk Falls's roughly 111 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
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

Elk Falls's place among Kansas's 625 places

Set beside Kansas's 625 places, Elk Falls ranks 483rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 276th of 625 Kansas places, putting it near the 56th percentile for growth. At about 153 people per square mile, Elk Falls is the 597th most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 1 residents.

Land, water and location for Elk Falls

Elk Falls's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 153 residents per square mile. The state's population centre of gravity, Wichita, is roughly 67 miles away. A 50-mile radius around Elk Falls takes in 43 places that are larger. The 100-mile radius contains 273 larger places.

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