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Personal loans in Savonburg, KS

Borrowers in Savonburg use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census estimates count about 77 residents in Savonburg, making it the 539th-largest of 625 places in Kansas. Kansas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Savonburg at a glance

  • Population: 77, the 539th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 76 (US Census Bureau).
  • 2020 to 2023 change: roughly 1.3% higher than at the 2020 Census (US Census Bureau).
  • Rank among Kansas places: the 539th-largest of 625 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 14% of places in Kansas rank below it by population (US Census Bureau).
  • Coordinates: 37.7491 / -95.1418, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Walnut, KS (11 mi); Bronson, KS (11 mi); Hepler, KS (11 mi); Uniontown, KS (11 mi); Moran, KS (12 mi); US Census Bureau population estimates.
  • Nearest smaller places: Elsmore, KS (3 mi); Stark, KS (4 mi); Bassett, KS (18 mi) (US Census Bureau estimates).

What a personal loan costs in Savonburg

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Kansas lending rules that apply in Savonburg

The table lists the Kansas rules that apply to a loan made in Savonburg, each with the regulator that published it.

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
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
Small-loan / installment lender licensingSupervised 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

How to compare offers in Savonburg

The order below is a sensible way to approach a loan in Savonburg:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Kansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Savonburg?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Savonburg are the same as elsewhere in Kansas.
How much can I borrow with a personal loan in Savonburg?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Savonburg require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Savonburg hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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