Personal loans in Perry, KS

Perry, Kansas — home to about 851 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. Population in Perry dropped about 0.4% over the three years from 2020 to 2023.

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.

Perry ranks 214th of 625 places in Kansas, with a population near 851. Compare APR, not the interest rate, because the APR folds in most fees on a Perry loan. To lend to Perry's 851 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The closest larger place is Lawrence, KS about 10 miles away.

The Perry data picture

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

Inside a Perry personal loan

Perry is a small community of about 851 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Perry. The term you choose in Perry decides the split between a comfortable payment and the total interest you pay.

What to do before borrowing in Perry

Before you hand your details to a lender in Perry, where the population is near 851:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Perry-specific: the same Kansas licensing and disclosure rules reach all 851 residents.

Perry on the map

Perry's land area is about 0.7 square miles; a further 0.01 square miles is water. That land carries about 1,136 people per square mile. For the state's biggest city, Wichita, the distance is roughly 143 miles. Perry has 63 larger places within a 50-mile radius. The 100-mile radius contains 153 larger places.

Perry's place among Kansas's 625 places

Among Kansas's 625 places, Perry sits at 214th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Perry stands 202nd among Kansas's 625 places — roughly the 68th percentile. By density, at about 1,136 people per square mile, it ranks 175th in Kansas. Within 50 miles sit 70 smaller Census places, alongside the 63 that are larger.

What Kansas law requires in Perry

Below are the Kansas rules that apply to a loan made in Perry, each with the regulator that issued it.

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