Personal loans in Ellis, KS

For the 1,921 people in Ellis, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

Ellis is a small community of about 1,921 residents, and a personal loan taken out here is governed by Kansas statute. Roughly 1,921 residents live in Ellis, the 124th-largest community in Kansas. The trend for Ellis between 2020 and 2023 is downward by roughly 2.0%. Compare APR, not the interest rate, because the APR folds in most fees on a Ellis loan. The nearest larger metro is Hays, KS about 13 miles away.

What the Census records for Ellis

Set out below is Ellis's local context next to the state-level rules that reach every lender here.

How a Ellis personal loan is priced

A Ellis personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,921 residents. Because pricing is borrower-level, two people in Ellis can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ellis loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Ellis

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

A practical checklist for Ellis borrowers

For Ellis's roughly 1,921 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Ellis-specific: the same Kansas licensing and disclosure rules reach all 1,921 residents.

Ellis against the rest of Kansas

Against Kansas's other places, Ellis accounts for about 0.1% of the state's population and ranks 124th of 625 by size. On the 2020-to-2023 trend, Ellis stands 408th among Kansas's 625 places — roughly the 35th percentile. At about 1,159 people per square mile, Ellis is the 170th most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 39 residents.

Ellis: area, density and distance

Inside Ellis's boundaries lie about 1.7 square miles of land, with no significant water area recorded. That land carries about 1,159 people per square mile. For the state's biggest city, Wichita, the distance is roughly 147 miles. Ellis has 2 larger places within a 50-mile radius. The 100-mile radius contains 19 larger 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 Ellis 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 Ellis is the same as anywhere in Kansas.
What loan size can I expect in Ellis?
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 Ellis?
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 Ellis 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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