Personal loans in Scottsville, KS

The first question in Scottsville is not the rate on offer but whether the payment fits; about 25 people live here under Kansas lending law. Compare APR, not the interest rate, because the APR folds in most fees on a Scottsville loan.

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.

An estimated 25 people make their home in Scottsville, a figure that ranks 612th in Kansas. Every figure below is Kansas's own, applied to Scottsville's 25 residents, with the publisher and retrieval date attached. For practical purposes, Scottsville's population was stable from the 2020 base to the 2023 estimate. The closest larger city is Jamestown, KS about 6 miles away.

Scottsville: the sourced local profile

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

How a Scottsville personal loan is priced

Most loans made to Scottsville's 25 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Scottsville can be quoted different APRs on the same amount and term. Shortening the term on a Scottsville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Scottsville

At roughly 99 people per square mile, Scottsville is sparsely settled; 68 larger places lie within 50 miles. Whether Scottsville has a local branch or not, a Kansas-licensed lender can serve its 25 people online on the same terms. For a larger market, the closest option is Jamestown, KS about 6 miles away.

Scottsville on the map

Scottsville covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 99 people per square mile. The state's population centre of gravity, Wichita, is roughly 132 miles away. Scottsville has 68 larger places within a 50-mile radius. By land area it ranks 477th of 625 Kansas places.

Kansas rules behind a Scottsville personal loan

Below are the Kansas rules that apply to a loan made in Scottsville, each with the regulator that issued it.

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
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
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

Where Scottsville sits in Kansas

Within Kansas, Scottsville holds roughly 0.0% of all residents, the 612th-largest share among 625 places. For population change between 2020 and 2023, Scottsville ranks 169th of 625 in Kansas (about the 73th percentile). Its roughly 99 residents per square mile place it 612th among Kansas's places. Within 50 miles sit 1 smaller Census places, alongside the 68 that are larger.

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