Personal loans in Frederick, KS

Every figure below is Kansas's own, applied to Frederick's 10 residents, with the publisher and retrieval date attached.

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.

A personal loan in Frederick is priced from your credit file and income, not from the fact that the city holds 10 people. With 10 residents, Frederick outranks about 0% of the communities in Kansas. The trend for Frederick between 2020 and 2023 is upward by roughly 25.0%. If debt is already a strain, a nonprofit credit counsellor can help Frederick residents before they take on more. A larger market lies at Lorraine, KS about 5 miles away.

Where Frederick stands

Frederick is a small community; the notes below cover its population profile and the statewide rules that apply.

A pre-application checklist for Frederick

Before you apply in Frederick, a community of about 10, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

In Frederick as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 10 residents.

Which Kansas laws govern a loan in Frederick

Kansas has no separate rate rule for Frederick; the sourced rows below are what reach every lender that serves its 10 people.

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

The geography behind Frederick

Frederick's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 52 people per square mile. The largest place in Kansas, Wichita, lies about 76 miles away. Counting outward 50 miles, 70 larger communities surround Frederick. By land area it ranks 535th of 625 Kansas places.

How a Frederick personal loan is priced

A Frederick personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 10 residents. Because pricing is borrower-level, two people in Frederick can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Frederick loan is knowable in advance — unlike a revolving card balance.

Frederick's place among Kansas's 625 places

Set beside Kansas's 625 places, Frederick ranks 624th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Frederick stands 1st among Kansas's 625 places — roughly the 100th percentile. By density, at about 52 people per square mile, it ranks 620th in Kansas. Between 2020 and 2023 the count changed by roughly 2 residents.

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