Personal loans in Maize, KS

The 2020 count to the 2023 estimate shows about 18.6% growth in Maize. By population, Maize sits at 51st in Kansas, with an estimated 6,802 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.

Two households in Maize with comparable incomes can still be offered different rates; the city's 6,802 residents are not the reason. Decide the purpose of the loan and your repayment plan before sharing any details with a Maize lender. Consumer lending that reaches Maize's 6,802 residents is governed by Kansas statute; no city ordinance changes it. A larger market lies at Valley Center, KS about 6 miles away.

Where Maize stands

Most of what governs a Maize loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

The anatomy of a Maize personal loan

Most loans made to Maize's 6,802 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Maize. Because the payment is fixed, the total cost of a Maize loan is knowable in advance — unlike a revolving card balance.

The geography behind Maize

Maize covers about 10.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 6,802 residents, the land area yields roughly 676 people per square mile. The largest place in Kansas, Wichita, lies about 8 miles away. Within 50 miles of Maize there are 15 larger Census places. Within the same 50 miles lie 68 smaller Census places.

How lenders reach Maize

With about 676 residents per square mile, Maize is moderately settled, and 15 larger Census places sit within 50 miles. Distance to a branch rarely matters for Maize's 6,802 residents: the application is online and the price follows your credit file. The nearest bigger place is Valley Center, KS about 6 miles away.

What to do before borrowing in Maize

Before you apply in Maize, a community of about 6,802, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  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. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Maize-specific: the same Kansas licensing and disclosure rules reach all 6,802 residents.

Which Kansas laws govern a loan in Maize

This table holds the Kansas rate and licensing rules for consumer loans made to Maize's 6,802 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
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
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 Maize 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 Maize is the same as anywhere in Kansas.
What loan size can I expect in Maize?
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 Maize?
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 Maize 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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