Personal loans in Wilson, KS

In Wilson, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. At about 837 residents, Wilson is larger than roughly 65% of the places in Kansas.

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 Wilson. Wilson shed about 2.1% of its population between the 2020 base and the 2023 estimate. Lenders active in Wilson report to a Kansas supervisor, identified in the sourced rows below. The nearest larger city is Ellsworth, KS about 15 miles away.

Where Wilson stands

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

Inside a Wilson personal loan

With roughly 837 residents, Wilson is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Wilson's 837 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Wilson loan is knowable in advance — unlike a revolving card balance.

Wilson against the rest of Kansas

Wilson is the 217th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Wilson ranks 426th of 625 in Kansas (about the 32th percentile). By density, at about 1,400 people per square mile, it ranks 107th in Kansas. In land area, Wilson ranks 284th among Kansas's 625 places.

What Kansas law requires in Wilson

Kansas has no separate rate rule for Wilson; the sourced rows below are what reach every lender that serves its 837 people.

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 lenders reach Wilson

At roughly 1,400 people per square mile, Wilson is moderately settled; 16 larger places lie within 50 miles. Distance to a branch rarely matters for Wilson's 837 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ellsworth, KS about 15 miles away.

Where Wilson sits

Wilson's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,400 people per square mile. Wichita, the largest place in Kansas, is about 99 miles from Wilson. Wilson has 16 larger places within a 50-mile radius. By land area it ranks 284th of 625 Kansas places.

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