Personal loans in Russell Springs, KS

The 2020 count to the 2023 estimate shows about 4.2% decline in Russell Springs. Russell Springs is home to roughly 23 people and stands 615th by size out of 625 Census places in Kansas.

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 personal loan in Russell Springs is priced from your credit file and income, not from the fact that the city holds 23 people. Compare APR, not the interest rate, because the APR folds in most fees on a Russell Springs loan. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Russell Springs as from the rest of the state. The closest larger city is Winona, KS about 11 miles away.

Local context for Russell Springs

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

How Russell Springs compares across Kansas

Set beside Kansas's 625 places, Russell Springs ranks 615th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Russell Springs stands 583rd among Kansas's 625 places — roughly the 7th percentile. Its roughly 33 residents per square mile place it 623rd among Kansas's places. In land area, Russell Springs ranks 260th among Kansas's 625 places.

Borrowing reach in Russell Springs

With about 33 residents per square mile, Russell Springs is sparsely settled, and 20 larger Census places sit within 50 miles. What is available to Russell Springs's 23 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 Winona, KS about 11 miles away.

What a Russell Springs borrower is actually offered

In Russell Springs, a small community of about 23, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Russell Springs's rank of 615th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Russell Springs decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Russell Springs

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Russell Springs 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 Russell Springs

Before you apply in Russell Springs, a community of about 23, work through these steps:

  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. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Russell Springs-specific: the same Kansas licensing and disclosure rules reach all 23 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 Russell Springs 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 Russell Springs is the same as anywhere in Kansas.
What loan size can I expect in Russell Springs?
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 Russell Springs?
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 Russell Springs 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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