Personal loans in Randolph, KS

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Randolph's 156 residents.

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.

A lender serving Randolph holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 156 residents. Randolph is home to roughly 156 people and stands 438th by size out of 625 Census places in Kansas. Population in Randolph dropped about 2.5% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Randolph's 156 residents are no exception. For a bigger market, look to Leonardville, KS about 7 miles away.

What the Census records for Randolph

Here is the sourced Census picture for Randolph, plus the Kansas lending rules that apply to a loan taken out here.

The Kansas lending rules that reach Randolph

Kansas has no separate rate rule for Randolph; the sourced rows below are what reach every lender that serves its 156 people.

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

Where Randolph sits in Kansas

Randolph is the 438th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Randolph ranks 472nd of 625 in Kansas (about the 24th percentile). Its roughly 567 residents per square mile place it 404th among Kansas's places. By land area, its 0.3 square miles rank 451st of 625 places in Kansas.

Randolph: area, density and distance

Randolph covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 567 people per square mile. Wichita, the largest place in Kansas, is about 124 miles from Randolph. Randolph has 53 larger places within a 50-mile radius. The 100-mile radius contains 238 larger places.

Borrowing reach in Randolph

Randolph is a moderately settled community of about 156 people, with 53 larger places inside a 50-mile radius. What is available to Randolph's 156 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Leonardville, KS about 7 miles away.

A practical checklist for Randolph borrowers

Before you hand your details to a lender in Randolph, where the population is near 156:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Kansas; what changes is your credit file, not the fact that Randolph holds 156 people.

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