Personal loans in St. Francis, KS

From the 2020 Census base to the 2023 estimate, the population rose by about 0.4%. The first question in St. Francis is not the rate on offer but whether the payment fits; about 1,276 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.

With an estimated 1,276 residents, St. Francis is the 164th-largest of 625 places in Kansas. The nearest larger metro is Goodland, KS about 30 miles away. A lender that serves St. Francis operates under Kansas lending statutes and a Kansas supervisor. Price two or three terms so you can see which payment is truly affordable in St. Francis.

St. Francis: the sourced local profile

The figures below are St. Francis's own — Census population, land area and coordinates — followed by the Kansas rules.

The St. Francis borrowing checklist

Before you apply in St. Francis, a community of about 1,276, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In St. Francis as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 1,276 residents.

The geography behind St. Francis

Inside St. Francis's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 1,489 people per square mile. For the state's biggest city, Wichita, the distance is roughly 280 miles. Within 50 miles of St. Francis there are 4 larger Census places. By land area it ranks 235th of 625 Kansas places.

How a St. Francis personal loan is priced

A St. Francis personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,276 residents. The APR tracks your credit score rather than St. Francis's rank of 164th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a St. Francis loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Kansas rules behind a St. Francis personal loan

For the roughly 1,276 residents of St. Francis, 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
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

Where St. Francis sits in Kansas

St. Francis is the 164th-largest of 625 Census places in Kansas and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 103rd of 625 Kansas places, putting it near the 84th percentile for growth. By density, at about 1,489 people per square mile, it ranks 88th in Kansas. In land area, St. Francis ranks 235th among Kansas's 625 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 St. Francis 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 St. Francis is the same as anywhere in Kansas.
What loan size can I expect in St. Francis?
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 St. Francis?
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 St. Francis 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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