Personal loans in Waldron, KS

Personal loans in Waldron are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 9 population. Read the disclosure for an origination fee and any prepayment penalty before signing in Waldron.

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 Census estimates 9 residents in Waldron, which ranks it 625th of 625 places in Kansas. To lend to Waldron's 9 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The 2020-to-2023 change in Waldron is negligible, under a tenth of a percent. Borrowers who want a bigger city can look to Manchester, OK about 8 miles away.

Waldron by the numbers

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

What Kansas law requires in Waldron

The rows below set out what a licensed lender must follow in Kansas, and so for Waldron's roughly 9 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
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

How personal loans work in Waldron

Waldron is a small community of about 9 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Waldron can be quoted different APRs on the same amount and term. Shortening the term on a Waldron loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Before you apply in Waldron

Before you hand your details to a lender in Waldron, where the population is near 9:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Waldron and the rest of Kansas is not the process but the borrower's own file, among the 9 people here.

How Waldron compares across Kansas

Waldron is the 625th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Waldron stands 176th among Kansas's 625 places — roughly the 72th percentile. By density, at about 29 people per square mile, it ranks 624th in Kansas. In land area, Waldron ranks 423rd among Kansas's 625 places.

Borrowing reach in Waldron

At roughly 29 people per square mile, Waldron is sparsely settled; 65 larger places lie within 50 miles. Whether Waldron has a local branch or not, a Kansas-licensed lender can serve its 9 people online on the same terms. The nearest bigger place is Manchester, OK about 8 miles away.

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