Personal loans in Troy, KS

A lender serving Troy holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 966 residents. The Census counts 966 people in Troy, the 197th-largest figure among Kansas's 625 places.

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.

Price two or three terms so you can see which payment is truly affordable in Troy. Troy added about 0.2% to its population between the 2020 base and the 2023 estimate. Which products a lender may offer to Troy's 966 residents follows from the Kansas consumer-lending framework. A larger market lies at Wathena, KS about 9 miles away.

What the Census records for Troy

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

Borrowing reach in Troy

At roughly 991 people per square mile, Troy is moderately settled; 36 larger places lie within 50 miles. What is available to Troy's 966 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Wathena, KS about 9 miles away.

What shapes a Troy personal loan

A Troy personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 966 residents. Because pricing is borrower-level, two people in Troy can be quoted different APRs on the same amount and term. The term you choose in Troy decides the split between a comfortable payment and the total interest you pay.

Which Kansas laws govern a loan in Troy

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Troy 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
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
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

Where Troy sits

Troy covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 991 residents per square mile. The largest place in Kansas, Wichita, lies about 189 miles away. Within 50 miles of Troy there are 36 larger Census places. The 100-mile radius contains 146 larger places.

Troy's place among Kansas's 625 places

Among Kansas's 625 places, Troy sits at 197th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Troy ranks 113th of 625 in Kansas (about the 82th percentile). At about 991 people per square mile, Troy is the 223rd most densely settled place in Kansas. Within 50 miles sit 98 smaller Census places, alongside the 36 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 Troy 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 Troy is the same as anywhere in Kansas.
What loan size can I expect in Troy?
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 Troy?
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 Troy 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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