Personal loans in Vermillion, KS

The Census counts 79 people in Vermillion, the 536th-largest figure among Kansas's 625 places. From the 2020 Census base to the 2023 estimate, the population declined by about 1.2%.

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.

The roughly 79 people who live in Vermillion borrow under Kansas rules; city hall sets no personal-loan rate. Every figure below is Kansas's own, applied to Vermillion's 79 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Vermillion loan. The nearest larger metro is Centralia, KS about 7 miles away.

The Vermillion data picture

What follows is Vermillion's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Getting a loan in Vermillion

With about 380 residents per square mile, Vermillion is lightly settled, and 81 larger Census places sit within 50 miles. Lenders licensed in Kansas reach Vermillion's 79 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Centralia, KS about 7 miles away.

Which Kansas laws govern a loan in Vermillion

The rows below set out what a licensed lender must follow in Kansas, and so for Vermillion's roughly 79 residents.

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

Inside a Vermillion personal loan

Vermillion is a small community of about 79 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Vermillion loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Vermillion decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Vermillion

Vermillion's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 380 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 152 miles. A 50-mile radius around Vermillion takes in 81 places that are larger. By land area it ranks 520th of 625 Kansas places.

Steps to take before a Vermillion loan

Before you hand your details to a lender in Vermillion, where the population is near 79:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Kansas; what changes is your credit file, not the fact that Vermillion holds 79 people.

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