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Personal loans in Jamestown, KS

For a borrower among the roughly 234 residents of Jamestown, a personal loan is a tool whose cost turns on the terms, not the address. Jamestown is one of 625 Census places in Kansas; its 234 residents put it at 373rd. Population in Jamestown dropped about 2.5% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Jamestown loan. For a bigger market, look to Concordia, KS about 12 miles away. For the 234 people in Jamestown, 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.

Jamestown: the sourced local profile

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

Jamestown against the rest of Kansas

Jamestown is the 373rd-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Jamestown ranks 471st of 625 in Kansas (about the 25th percentile). At about 799 people per square mile, Jamestown is the 300th most densely settled place in Kansas. The population moved by about 6 people between 2020 and 2023, a 2.5% shift.

A pre-application checklist for Jamestown

These steps shape the offer you get in Jamestown, a place of about 234 people:

  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. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Jamestown as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 234 residents.

Getting a loan in Jamestown

At roughly 799 people per square mile, Jamestown is moderately settled; 31 larger places lie within 50 miles. A Kansas licence lets a lender serve Jamestown without a local office, so branch density does not change what its 234 residents are offered. The nearest bigger place is Concordia, KS about 12 miles away.

What Kansas law requires in Jamestown

The rows below set out what a licensed lender must follow in Kansas, and so for Jamestown's roughly 234 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
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		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

Jamestown: area, density and distance

Inside Jamestown's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 799 people per square mile. The largest place in Kansas, Wichita, lies about 135 miles away. Within 50 miles of Jamestown there are 31 larger Census places. Within the same 50 miles lie 42 smaller Census 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 Jamestown 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 Jamestown is the same as anywhere in Kansas.
What loan size can I expect in Jamestown?
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 Jamestown?
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 Jamestown 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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