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Personal loans in Mound City, KS

A 2020-to-2023 comparison shows Mound City down by about 0.5%. Mound City ranks 250th of 625 places in Kansas, with a population near 645. The roughly 645 people who live in Mound City borrow under Kansas rules; city hall sets no personal-loan rate. If debt is already a strain, a nonprofit credit counsellor can help Mound City residents before they take on more. For the 645 people in Mound City, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Pleasanton, KS about 7 miles away.

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.

The Mound City data picture

What follows is Mound City's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Mound City's place among Kansas's 625 places

Against Kansas's other places, Mound City accounts for about 0.0% of the state's population and ranks 250th of 625 by size. For population change between 2020 and 2023, Mound City ranks 217th of 625 in Kansas (about the 65th percentile). By density, at about 558 people per square mile, it ranks 409th in Kansas. In land area, Mound City ranks 178th among Kansas's 625 places.

Borrowing reach in Mound City

With about 558 residents per square mile, Mound City is moderately settled, and 36 larger Census places sit within 50 miles. What is available to Mound City's 645 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Pleasanton, KS about 7 miles away.

A pre-application checklist for Mound City

These steps shape the offer you get in Mound City, a place of about 645 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Mound City-specific: the same Kansas licensing and disclosure rules reach all 645 residents.

How Kansas law applies in Mound City

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Mound City lender must follow.

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

How personal loans work in Mound City

Most loans made to Mound City's 645 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Mound City loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Mound City decides the split between a comfortable payment and the total interest you pay.

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 Mound City 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 Mound City is the same as anywhere in Kansas.
What loan size can I expect in Mound City?
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 Mound City?
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 Mound City 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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