Personal loans in Wellsville, KS

Every figure below is Kansas's own, applied to Wellsville's 1,930 residents, with the publisher and retrieval date attached.

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 first question in Wellsville is not the rate on offer but whether the payment fits; about 1,930 people live here under Kansas lending law. At about 1,930 residents, Wellsville is larger than roughly 80% of the places in Kansas. The 2020 count to the 2023 estimate shows about 0.9% decline in Wellsville. Pull your credit reports and line up at least three offers before you apply from Wellsville. A larger market lies at Baldwin City, KS about 7 miles away.

Where Wellsville stands

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

How Wellsville compares across Kansas

Wellsville is the 123rd-largest of 625 Census places in Kansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Wellsville stands 281st among Kansas's 625 places — roughly the 55th percentile. Its roughly 1,123 residents per square mile place it 179th among Kansas's places. In land area, Wellsville ranks 131st among Kansas's 625 places.

A pre-application checklist for Wellsville

For Wellsville's roughly 1,930 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Wellsville and the rest of Kansas is not the process but the borrower's own file, among the 1,930 people here.

How lenders reach Wellsville

Wellsville is a moderately settled community of about 1,930 people, with 52 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Wellsville's 1,930 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Baldwin City, KS about 7 miles away.

Wellsville: area, density and distance

Inside Wellsville's boundaries lie roughly 1.7 square miles of land and 0.01 square miles of water. With 1,930 residents, the land area yields roughly 1,123 people per square mile. Wichita, the largest place in Kansas, is about 142 miles from Wellsville. Within 50 miles of Wellsville there are 52 larger Census places. By land area it ranks 131st of 625 Kansas places.

What Kansas law requires in Wellsville

For the roughly 1,930 residents of Wellsville, the rules below are Kansas's own; each row carries its publisher and retrieval date.

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