Personal loans in South Haven, KS

A personal loan in South Haven is priced from your credit file and income, not from the fact that the city holds 326 people. South Haven is home to roughly 326 people and stands 340th 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.

For a community of about 326, the practical step is to compare APR across at least three lenders before committing. The trend for South Haven between 2020 and 2023 is downward by roughly 0.3%. A lender that serves South Haven operates under Kansas lending statutes and a Kansas supervisor. The next larger city is Caldwell, KS about 11 miles away.

South Haven: population, trend and location

South Haven is a small community; the notes below cover its population profile and the statewide rules that apply.

Inside a South Haven personal loan

A South Haven personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 326 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in South Haven. A longer term lowers the monthly payment on a South Haven loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in South Haven

Before you hand your details to a lender in South Haven, where the population is near 326:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between South Haven and the rest of Kansas is not the process but the borrower's own file, among the 326 people here.

South Haven against the rest of Kansas

South Haven is the 340th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, South Haven stands 196th among Kansas's 625 places — roughly the 69th percentile. Its roughly 326 residents per square mile place it 518th among Kansas's places. The population moved by about 1 people between 2020 and 2023, a 0.3% shift.

Getting a loan in South Haven

South Haven is lightly settled, with about 326 people per square mile and 39 larger places within 50 miles. What is available to South Haven's 326 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 Caldwell, KS about 11 miles away.

How Kansas law applies in South Haven

For the roughly 326 residents of South Haven, the rules below are Kansas's own; each row carries its publisher and retrieval date.

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