Personal loans in Powhattan, KS

A 2020-to-2023 comparison shows Powhattan down by about 2.9%. Powhattan is home to roughly 67 people and stands 553rd by size out of 625 Census places 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.

Two households in Powhattan with comparable incomes can still be offered different rates; the city's 67 residents are not the reason. Rate-shopping from Powhattan costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A single loan can carry different costs on either side of a state line, and Powhattan sits on the Kansas side of that line. For a bigger market, look to Fairview, KS about 7 miles away.

Powhattan: population, trend and location

Powhattan is a small community; the notes below cover its population profile and the statewide rules that apply.

What is available to Powhattan borrowers

At roughly 489 people per square mile, Powhattan is lightly settled; 101 larger places lie within 50 miles. Lenders licensed in Kansas reach Powhattan's 67 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Fairview, KS about 7 miles away.

Where Powhattan sits

The Census Gazetteer records about 0.1 square miles of land within Powhattan, with no significant water area listed. That land carries about 489 people per square mile. The largest place in Kansas, Wichita, lies about 170 miles away. Within 50 miles of Powhattan there are 101 larger Census places. Within the same 50 miles lie 11 smaller Census places.

How Powhattan compares across Kansas

Against Kansas's other places, Powhattan accounts for about 0.0% of the state's population and ranks 553rd of 625 by size. Its 2020-to-2023 change ranks 510th of 625 Kansas places, putting it near the 18th percentile for growth. At about 489 people per square mile, Powhattan is the 448th most densely settled place in Kansas. In land area, Powhattan ranks 590th among Kansas's 625 places.

What to do before borrowing in Powhattan

Before you hand your details to a lender in Powhattan, where the population is near 67:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  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. Keep the amount to the expense; an approval is not a reason to take more.
  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.

In Powhattan as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 67 residents.

How Kansas law applies in Powhattan

The rows below set out what a licensed lender must follow in Kansas, and so for Powhattan's roughly 67 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
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
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
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 Powhattan 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 Powhattan is the same as anywhere in Kansas.
What loan size can I expect in Powhattan?
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 Powhattan?
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 Powhattan 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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