Personal loans in Gridley, KS

Gridley counts about 311 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. Gridley is home to roughly 311 people and stands 342nd by size out of 625 Census places in Kansas.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Gridley loan. A 2020-to-2023 comparison shows Gridley down by about 1.0%. Every figure below is Kansas's own, applied to Gridley's 311 residents, with the publisher and retrieval date attached. The next larger city is Burlington, KS about 10 miles away.

The Gridley data picture

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

What is available to Gridley borrowers

At roughly 727 people per square mile, Gridley is moderately settled; 36 larger places lie within 50 miles. Whether Gridley has a local branch or not, a Kansas-licensed lender can serve its 311 people online on the same terms. The nearest larger city, Burlington, KS about 10 miles away.

Inside a Gridley personal loan

Gridley is a small community of about 311 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Gridley lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Gridley loan is knowable in advance — unlike a revolving card balance.

Gridley against the rest of Kansas

Gridley is the 342nd-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Gridley stands 286th among Kansas's 625 places — roughly the 54th percentile. By density, at about 727 people per square mile, it ranks 328th in Kansas. By land area, its 0.4 square miles rank 354th of 625 places in Kansas.

Gridley: area, density and distance

The Census Gazetteer records 0.4 square miles of land and 0.06 square miles of water within Gridley. With 311 residents, the land area yields roughly 727 people per square mile. For the state's biggest city, Wichita, the distance is roughly 85 miles. Gridley has 36 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.

Kansas rules behind a Gridley personal loan

The rows below set out what a licensed lender must follow in Kansas, and so for Gridley's roughly 311 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
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
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 Gridley 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 Gridley is the same as anywhere in Kansas.
What loan size can I expect in Gridley?
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 Gridley?
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 Gridley 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.

Nearby places

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