Personal loans in Mayfield, KS

An estimated 73 people make their home in Mayfield, a figure that ranks 544th in Kansas. A personal loan in Mayfield is priced from your credit file and income, not from the fact that the city holds 73 people.

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.

Mayfield's population held flat through the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Mayfield residents before they take on more. Every figure below is Kansas's own, applied to Mayfield's 73 residents, with the publisher and retrieval date attached. A larger market lies at Wellington, KS about 7 miles away.

The Mayfield data picture

Here is the sourced Census picture for Mayfield, plus the Kansas lending rules that apply to a loan taken out here.

Mayfield on the map

Mayfield's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 247 people per square mile. The largest place in Kansas, Wichita, lies about 31 miles away. A 50-mile radius around Mayfield takes in 64 places that are larger. The 100-mile radius contains 236 larger places.

How a Mayfield personal loan is priced

Mayfield is a small community of about 73 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Mayfield's rank of 544th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Mayfield loan but raises total interest, so the smallest payment is not the cheapest loan.

Mayfield in state context

Against Kansas's other places, Mayfield accounts for about 0.0% of the state's population and ranks 544th of 625 by size. Its 2020-to-2023 change ranks 145th of 625 Kansas places, putting it near the 77th percentile for growth. Its roughly 247 residents per square mile place it 558th among Kansas's places. By land area, its 0.3 square miles rank 433rd of 625 places in Kansas.

What to do before borrowing in Mayfield

These steps shape the offer you get in Mayfield, a place of about 73 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

In Mayfield as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 73 residents.

How Kansas law applies in Mayfield

The rows below set out what a licensed lender must follow in Kansas, and so for Mayfield's roughly 73 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 Mayfield 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 Mayfield is the same as anywhere in Kansas.
What loan size can I expect in Mayfield?
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 Mayfield?
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 Mayfield 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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