Personal loans in St. Marys, KS

Every figure below is Kansas's own, applied to St. Marys's 2,748 residents, with the publisher and retrieval date attached. The Census estimates 2,748 residents in St. Marys, which ranks it 93rd of 625 places in Kansas. St.

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.

Marys, Kansas — home to about 2,748 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. Census figures put the 2020-to-2023 decrease in St. Marys at about 0.3%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a St. Marys loan. For a bigger market, look to Wamego, KS about 13 miles away.

Where St. Marys stands

Most of what governs a St. Marys loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

A pre-application checklist for St. Marys

Complete these steps first when you borrow in St. Marys (2,748 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

The process is identical across Kansas; what changes is your credit file, not the fact that St. Marys holds 2,748 people.

How St. Marys compares across Kansas

Within Kansas, St. Marys holds roughly 0.1% of all residents, the 93rd-largest share among 625 places. On the 2020-to-2023 trend, St. Marys stands 190th among Kansas's 625 places — roughly the 70th percentile. At about 2,333 people per square mile, St. Marys is the 18th most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 7 residents.

How lenders reach St. Marys

With about 2,333 residents per square mile, St. Marys is fairly dense, and 7 larger Census places sit within 50 miles. Lenders licensed in Kansas reach St. Marys's 2,748 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Wamego, KS about 13 miles away.

Where St. Marys sits

The Census Gazetteer records about 1.2 square miles of land within St. Marys, with no significant water area listed. With 2,748 residents, the land area yields roughly 2,333 people per square mile. For the state's biggest city, Wichita, the distance is roughly 125 miles. Counting outward 50 miles, 7 larger communities surround St. Marys. By land area it ranks 174th of 625 Kansas places.

What Kansas law requires in St. Marys

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a St. Marys 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
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
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. Marys 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. Marys is the same as anywhere in Kansas.
What loan size can I expect in St. Marys?
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. Marys?
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. Marys 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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