Personal loans in Roseland, KS

With an estimated 74 residents, Roseland is the 543rd-largest of 625 places in Kansas. The first question in Roseland is not the rate on offer but whether the payment fits; about 74 people live here under Kansas lending law.

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.

Population in Roseland dropped about 1.3% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Roseland's 74 residents. To lend to Roseland's 74 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The nearest larger city is Scammon, KS about 1 miles away.

Roseland: population, trend and location

Set out below is Roseland's local context next to the state-level rules that reach every lender here.

Lender access in Roseland

At roughly 101 people per square mile, Roseland is lightly settled; 102 larger places lie within 50 miles. Whether Roseland has a local branch or not, a Kansas-licensed lender can serve its 74 people online on the same terms. The nearest bigger place is Scammon, KS about 1 miles away.

Kansas rules behind a Roseland personal loan

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Roseland lender must follow.

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
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
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

What to do before borrowing in Roseland

For Roseland's roughly 74 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Roseland and the rest of Kansas is not the process but the borrower's own file, among the 74 people here.

How Roseland compares across Kansas

Roseland is the 543rd-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Roseland stands 326th among Kansas's 625 places — roughly the 48th percentile. At about 101 people per square mile, Roseland is the 611th most densely settled place in Kansas. The population moved by about 1 people between 2020 and 2023, a 1.3% shift.

Roseland on the map

Inside Roseland's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 101 people per square mile. Wichita, the largest place in Kansas, is about 140 miles from Roseland. Within 50 miles of Roseland there are 102 larger Census places. By land area it ranks 254th of 625 Kansas places.

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

Nearby places

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