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.
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.
- Population: 111 residents; Elk Falls is the 483rd-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.9% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: with 111 residents, Elk Falls is larger than about 23% of Kansas's Census places.
- Population density: about 153 people per square mile (Census land area 0.7 sq mi).
- Land area rank: Elk Falls's 0.7 square miles rank 255th of 625 places in Kansas.
- State population share: Elk Falls accounts for about 0.0% of everyone in Kansas.
- National rank: Elk Falls sits 17,929th by population among the 19,457 places in this dataset.
- Growth in Kansas: Elk Falls stands 276th by percentage change from 2020 to 2023, among 625 places.
- Versus Kansas: the state average change is -1.0%, while Elk Falls moved 0.9%.
- Density in Kansas: Elk Falls ranks 597th by people per square mile.
- Density vs Kansas: Elk Falls's 153 people per square mile compare with a state median of 764.
- Location: the Census Gazetteer records it at 37.3730, -96.1929.
- Nearest larger cities: Moline (6 mi); Longton (6 mi); Howard (8 mi); Grenola (14 mi); Elk City (17 mi). Living near a larger metro rarely changes what is available in Elk Falls.
- Nearest smaller places: New Albany (19 mi); Peru (21 mi); Niotaze (23 mi).
- Within a 50-mile radius: 18 smaller Census places.
- Larger places within 100 miles: 273.
A pre-application checklist for Elk Falls
Complete these steps first when you borrow in Elk Falls (111 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Kansas regulator's licence records before you sign.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 status | Permitted 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 licensing | Supervised 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.
Common questions
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Nearby places
- Moline, KS — population 340
- Longton, KS — population 283
- Howard, KS — population 569
- Sedan, KS — population 989
- Severy, KS — population 198
- Grenola, KS — population 148
- Fall River, KS — population 127
- Elk City, KS — population 254