Personal loans in Richfield, KS

Richfield counts about 27 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. Richfield ranks 609th of 625 places in Kansas, with a population near 27.

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Richfield. A 2020-to-2023 comparison shows Richfield down by about 3.6%. For the 27 people in Richfield, Kansas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Rolla, KS about 13 miles away.

Richfield: the sourced local profile

Two layers matter for a Richfield borrower: the local population picture and Kansas's consumer-lending statutes.

How a Richfield personal loan is priced

Most loans made to Richfield's 27 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Richfield loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Richfield loan but raises total interest, so the smallest payment is not the cheapest loan.

Richfield on the map

Richfield covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 27 people per square mile. The state's population centre of gravity, Wichita, is roughly 245 miles away. Counting outward 50 miles, 21 larger communities surround Richfield. By land area it ranks 201st of 625 Kansas places.

The Kansas lending rules that reach Richfield

This table holds the Kansas rate and licensing rules for consumer loans made to Richfield's 27 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

Richfield's place among Kansas's 625 places

Within Kansas, Richfield holds roughly 0.0% of all residents, the 609th-largest share among 625 places. Its 2020-to-2023 change ranks 557th of 625 Kansas places, putting it near the 11th percentile for growth. At about 27 people per square mile, Richfield is the 625th most densely settled place in Kansas. By land area, its 1.0 square miles rank 201st of 625 places in Kansas.

What to do before borrowing in Richfield

For Richfield's roughly 27 residents, these are the steps that most influence the offer:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Richfield as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 27 residents.

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