Personal loans in Riley, KS
A lender that serves Riley operates under Kansas lending statutes and a Kansas supervisor. A lender serving Riley holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 929 residents.
Riley ranks 203rd of 625 places in Kansas, with a population near 929. The 2020 count to the 2023 estimate shows about 1.5% decline in Riley. Compare APR, not the interest rate, because the APR folds in most fees on a Riley loan. The closest larger place is Manhattan, KS about 14 miles away.
Where Riley stands
The figures below are Riley's own — Census population, land area and coordinates — followed by the Kansas rules.
- Population: the Census counts 929 residents in Riley (Vintage 2023 subcounty estimate), the 203rd-largest figure among Kansas's 625 places.
- Population trend: Roughly 1.5% fewer residents than the 2020 Census counted.
- Net change: roughly 14 fewer people than the 2020 Census counted.
- Size percentile: roughly 68% of Kansas places rank below Riley.
- Population density: 1,829 people per square mile on 0.5 square miles of land.
- Land area: Riley covers 0.5 square miles, the 312th-largest area among Kansas's 625 places.
- Share of Kansas: Riley holds about 0.0% of the state's population, some 929 people.
- National standing: Riley ranks 10,544th of 19,457 US places.
- Growth rank: Riley's 2020-to-2023 change ranks 341st of 625 places in Kansas.
- Against the state trend: Riley's 1.5% change compares with a Kansas average of -1.0% across its 625 places.
- Density rank: Riley places 40th among Kansas's places by people per square mile.
- Density vs Kansas: Riley's 1,829 people per square mile compare with a state median of 764.
- Location: coordinates 39.2992, -96.8278 (US Census Bureau Gazetteer).
- Nearest larger cities: Manhattan (14 mi); Ogden (15 mi); Clay Center (17 mi); Grandview Plaza (19 mi); Junction City (19 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Leonardville (5 mi); Randolph (10 mi); Milford (10 mi).
- Smaller places within 50 miles: 61 of them.
- Larger places within 100 miles: 72.
What Kansas law requires in Riley
Read the table as a lender's compliance picture for Riley: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 caps | 36% 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 |
Borrowing reach in Riley
With about 1,829 residents per square mile, Riley is moderately settled, and 18 larger Census places sit within 50 miles. Distance to a branch rarely matters for Riley's 929 residents: the application is online and the price follows your credit file. The nearest larger city, Manhattan, KS about 14 miles away.
The geography behind Riley
Riley's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,829 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 115 miles. Within 50 miles of Riley there are 18 larger Census places. Within the same 50 miles lie 61 smaller Census places.
Where Riley sits in Kansas
Among Kansas's 625 places, Riley sits at 203rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 341st of 625 Kansas places, putting it near the 45th percentile for growth. By density, at about 1,829 people per square mile, it ranks 40th in Kansas. By land area, its 0.5 square miles rank 312th of 625 places in Kansas.
The Riley borrowing checklist
Before you hand your details to a lender in Riley, where the population is near 929:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Kansas licence with the regulator listed on this page.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
In Riley as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 929 residents.
Common questions
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Does comparing loans in Riley cost me credit score points?
Nearby places
- Leonardville, KS — population 429
- Randolph, KS — population 156
- Milford, KS — population 388
- Wakefield, KS — population 843
- Green, KS — population 95
- Ogden, KS — population 1,628
- Manhattan, KS — population 53,682
- Olsburg, KS — population 223