Personal loans in Englewood, KS

Personal loans in Englewood are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 51 population. By population, Englewood sits at 573rd in Kansas, with an estimated 51 residents.

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Englewood. Population in Englewood dropped about 7.3% over the three years from 2020 to 2023. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Englewood as from the rest of the state. A larger market lies at Gate, OK about 14 miles away.

Local context for Englewood

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

Land, water and location for Englewood

Englewood covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 45 people per square mile. Wichita, the largest place in Kansas, is about 152 miles from Englewood. A 50-mile radius around Englewood takes in 23 places that are larger. The 100-mile radius contains 105 larger places.

Kansas consumer-lending rules applied in Englewood

Below are the Kansas rules that apply to a loan made in Englewood, each with the regulator that issued it.

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

Where Englewood sits in Kansas

Against Kansas's other places, Englewood accounts for about 0.0% of the state's population and ranks 573rd of 625 by size. For population change between 2020 and 2023, Englewood ranks 620th of 625 in Kansas (about the 1th percentile). Its roughly 45 residents per square mile place it 622nd among Kansas's places. Between 2020 and 2023 the count changed by roughly 4 residents.

A pre-application checklist for Englewood

For Englewood's roughly 51 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Englewood and the rest of Kansas is not the process but the borrower's own file, among the 51 people here.

What is available to Englewood borrowers

Englewood is a sparsely settled community of about 51 people, with 23 larger places inside a 50-mile radius. Whether Englewood has a local branch or not, a Kansas-licensed lender can serve its 51 people online on the same terms. The nearest bigger place is Gate, OK about 14 miles away.

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