Personal loans in Victoria, KS
If you are weighing a personal loan in Victoria, start from the payment you can carry; its 1,112 residents face the same statewide rules. The Census counts 1,112 people in Victoria, the 177th-largest figure among Kansas's 625 places.
Population in Victoria dropped about 1.5% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Victoria sits on the Kansas side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Victoria. Borrowers who want a bigger city can look to Hays, KS about 10 miles away.
What the Census records for Victoria
Victoria is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 1,112 residents, 177th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 1.5% across the 2020-to-2023 comparison.
- People gained or lost: about 17 fewer since the 2020 base.
- Size percentile: about 72% of Kansas communities are smaller than Victoria (1,112 residents).
- Population density: 1,817 people per square mile on 0.6 square miles of land.
- By land area: Victoria ranks 280th among Kansas's 625 places, at 0.6 sq mi.
- Share of state population: Victoria's 1,112 residents are about 0.0% of Kansas.
- National rank: Victoria is 9,822nd of 19,457 places nationwide.
- Growth rank: Victoria's 2020-to-2023 change ranks 346th of 625 places in Kansas.
- Against the state trend: Victoria's 1.5% change compares with a Kansas average of -1.0% across its 625 places.
- Density in Kansas: Victoria ranks 41st by people per square mile.
- Density vs Kansas: Victoria's 1,817 people per square mile compare with a state median of 764.
- Location: latitude 38.8537, longitude -99.1472 (Census Gazetteer).
- Nearest larger cities: Hays (10 mi); Russell (16 mi); Ellis (23 mi); La Crosse (24 mi); Plainville (28 mi). Lenders licensed in the state serve Victoria whether or not they keep a local branch.
- Nearest smaller places: Gorham (7 mi); Schoenchen (14 mi); Liebenthal (17 mi).
- Smaller places within 50 miles: 40 of them.
- At 100 miles: 43 larger Census places fall inside that radius.
Kansas rules behind a Victoria personal loan
When Kansas does not publish a figure, the row links to the source instead of inventing a number; Victoria is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 |
| Small-loan / installment lender licensing | Supervised 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 |
| UCCC consumer loan rate caps | 36% 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 |
Victoria on the map
Victoria's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,817 residents per square mile. Wichita, the largest place in Kansas, is about 127 miles from Victoria. Counting outward 50 miles, 13 larger communities surround Victoria. The 100-mile radius contains 43 larger places.
Inside a Victoria personal loan
Most loans made to Victoria's 1,112 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Victoria. Shortening the term on a Victoria loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Victoria
Victoria is a moderately settled community of about 1,112 people, with 13 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Victoria's 1,112 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Hays, KS about 10 miles away.
How Victoria compares across Kansas
Victoria is the 177th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Victoria ranks 346th of 625 in Kansas (about the 45th percentile). Its roughly 1,817 residents per square mile place it 41st among Kansas's places. By land area, its 0.6 square miles rank 280th of 625 places in Kansas.
Common questions
What are my options in Victoria if my credit is poor?
What loan size can I expect in Victoria?
Do I have to pledge anything to borrow in Victoria?
Does comparing loans in Victoria cost me credit score points?
Nearby places
- Gorham, KS — population 383
- Hays, KS — population 21,040
- Schoenchen, KS — population 169
- Liebenthal, KS — population 87
- Galatia, KS — population 43
- Russell, KS — population 4,400
- Otis, KS — population 286
- Bison, KS — population 171