Personal loans in Penalosa, KS

Penalosa shed about 5.3% of its population between the 2020 base and the 2023 estimate. With 18 residents, Penalosa outranks about 1% of the communities in Kansas.

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.

Penalosa is a small community in Kansas, with an estimated 18 residents, and every licensed lender here follows the same state rulebook. Use the calculator on this page to price an amount and term before you commit in Penalosa. Which products a lender may offer to Penalosa's 18 residents follows from the Kansas consumer-lending framework. The next larger city is Cunningham, KS about 8 miles away.

The Penalosa data picture

Set out below is Penalosa's local context next to the state-level rules that reach every lender here.

A practical checklist for Penalosa borrowers

For Penalosa's roughly 18 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  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. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Penalosa as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 18 residents.

How a Penalosa personal loan is priced

Penalosa is a small community of about 18 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Penalosa lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Penalosa loan is knowable in advance — unlike a revolving card balance.

Where Penalosa sits

Penalosa's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 175 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 53 miles. A 50-mile radius around Penalosa takes in 69 places that are larger. Within the same 50 miles lie 1 smaller Census places.

Kansas consumer-lending rules applied in Penalosa

The rows below set out what a licensed lender must follow in Kansas, and so for Penalosa's roughly 18 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

How lenders reach Penalosa

At roughly 175 people per square mile, Penalosa is lightly settled; 69 larger places lie within 50 miles. A Kansas licence lets a lender serve Penalosa without a local office, so branch density does not change what its 18 residents are offered. The nearest bigger place is Cunningham, KS about 8 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 Penalosa 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 Penalosa is the same as anywhere in Kansas.
What loan size can I expect in Penalosa?
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 Penalosa?
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 Penalosa 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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