Personal loans in Louisville, KS

Louisville is a small community in Kansas, with an estimated 146 residents, and every licensed lender here follows the same state rulebook.

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.

To lend to Louisville's 146 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. Louisville is home to roughly 146 people and stands 447th by size out of 625 Census places in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Louisville. Population in Louisville climbed about 9.8% over the three years from 2020 to 2023. The next larger city is Wamego, KS about 3 miles away.

The Louisville data picture

Two layers matter for a Louisville borrower: the local population picture and Kansas's consumer-lending statutes.

Kansas rules behind a Louisville personal loan

Kansas has no separate rate rule for Louisville; the sourced rows below are what reach every lender that serves its 146 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
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
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

Land, water and location for Louisville

Louisville covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 146 residents, the land area yields roughly 293 people per square mile. For the state's biggest city, Wichita, the distance is roughly 121 miles. Within 50 miles of Louisville there are 63 larger Census places. Within the same 50 miles lie 16 smaller Census places.

How Louisville compares across Kansas

Within Kansas, Louisville holds roughly 0.0% of all residents, the 447th-largest share among 625 places. Its 2020-to-2023 change ranks 10th of 625 Kansas places, putting it near the 98th percentile for growth. Its roughly 293 residents per square mile place it 536th among Kansas's places. Within 50 miles sit 16 smaller Census places, alongside the 63 that are larger.

How personal loans work in Louisville

Most loans made to Louisville's 146 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Louisville can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Louisville loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Louisville

Louisville is a lightly settled community of about 146 people, with 63 larger places inside a 50-mile radius. Distance to a branch rarely matters for Louisville's 146 residents: the application is online and the price follows your credit file. The nearest bigger place is Wamego, KS about 3 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 Louisville 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 Louisville is the same as anywhere in Kansas.
What loan size can I expect in Louisville?
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 Louisville?
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 Louisville 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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