Personal loans in Scandia, KS

With roughly 337 residents, Scandia is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city. Scandia shed about 1.5% of its population between the 2020 base and the 2023 estimate.

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.

Scandia is home to roughly 337 people and stands 338th by size out of 625 Census places in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Scandia. Every figure below is Kansas's own, applied to Scandia's 337 residents, with the publisher and retrieval date attached. The next larger city is Belleville, KS about 8 miles away.

What the Census records for Scandia

What follows is Scandia's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Which Kansas laws govern a loan in Scandia

The rows below set out what a licensed lender must follow in Kansas, and so for Scandia's roughly 337 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

Land, water and location for Scandia

Inside Scandia's boundaries lie about 0.5 square miles of land, with no significant water area recorded. That land carries about 715 people per square mile. The state's population centre of gravity, Wichita, is roughly 147 miles away. Scandia has 26 larger places within a 50-mile radius. Within the same 50 miles lie 58 smaller Census places.

The Scandia borrowing checklist

These steps shape the offer you get in Scandia, a place of about 337 people:

  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. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Scandia-specific: the same Kansas licensing and disclosure rules reach all 337 residents.

Lender access in Scandia

With about 715 residents per square mile, Scandia is moderately settled, and 26 larger Census places sit within 50 miles. A Kansas licence lets a lender serve Scandia without a local office, so branch density does not change what its 337 residents are offered. The nearest larger city, Belleville, KS about 8 miles away.

How Scandia compares across Kansas

Against Kansas's other places, Scandia accounts for about 0.0% of the state's population and ranks 338th of 625 by size. For population change between 2020 and 2023, Scandia ranks 340th of 625 in Kansas (about the 46th percentile). By density, at about 715 people per square mile, it ranks 331st in Kansas. The population moved by about 5 people between 2020 and 2023, a 1.5% shift.

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