Personal loans in Ramona, KS

In Ramona, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. Ramona is one of 625 Census places in Kansas; its 78 residents put it at 537th.

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.

Ramona's population held flat through the 2020-to-2023 comparison. Consumer lending that reaches Ramona's 78 residents is governed by Kansas statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Ramona. Borrowers who want a bigger city can look to Tampa, KS about 6 miles away.

Local context for Ramona

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

Land, water and location for Ramona

Ramona's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 78 residents, the land area yields roughly 268 people per square mile. The state's population centre of gravity, Wichita, is roughly 65 miles away. Counting outward 50 miles, 60 larger communities surround Ramona. Within the same 50 miles lie 12 smaller Census places.

Getting a loan in Ramona

With about 268 residents per square mile, Ramona is lightly settled, and 60 larger Census places sit within 50 miles. Lenders licensed in Kansas reach Ramona's 78 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Tampa, KS about 6 miles away.

The anatomy of a Ramona personal loan

In Ramona, a small community of about 78, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Ramona's 78 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Ramona loan but raises total interest, so the smallest payment is not the cheapest loan.

Ramona's place among Kansas's 625 places

Against Kansas's other places, Ramona accounts for about 0.0% of the state's population and ranks 537th of 625 by size. On the 2020-to-2023 trend, Ramona stands 144th among Kansas's 625 places — roughly the 77th percentile. At about 268 people per square mile, Ramona is the 548th most densely settled place in Kansas. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

What Kansas law requires in Ramona

Read the table as a lender's compliance picture for Ramona: the rule, the sourced figure, the publisher and the date.

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