Personal loans in Downs, KS

The Census estimates 790 residents in Downs, which ranks it 223rd of 625 places in Kansas. From the 2020 Census base to the 2023 estimate, the population declined by about 1.9%.

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.

Personal loans in Downs are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 790 population. To lend to Downs's 790 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. Decide the purpose of the loan and your repayment plan before sharing any details with a Downs lender. For a bigger market, look to Osborne, KS about 9 miles away.

Local context for Downs

Here is the sourced Census picture for Downs, plus the Kansas lending rules that apply to a loan taken out here.

What to do before borrowing in Downs

A sensible order of operations for a loan in Downs, home to about 790 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest 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. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

In Downs as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 790 residents.

Land, water and location for Downs

Downs's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 705 residents per square mile. Wichita, the largest place in Kansas, is about 141 miles from Downs. Within 50 miles of Downs there are 14 larger Census places. The 100-mile radius contains 67 larger places.

Kansas consumer-lending rules applied in Downs

Kansas has no separate rate rule for Downs; the sourced rows below are what reach every lender that serves its 790 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
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
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

Where Downs sits in Kansas

Set beside Kansas's 625 places, Downs ranks 223rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Downs stands 390th among Kansas's 625 places — roughly the 38th percentile. Its roughly 705 residents per square mile place it 335th among Kansas's places. By land area, its 1.1 square miles rank 186th of 625 places in Kansas.

Getting a loan in Downs

With about 705 residents per square mile, Downs is moderately settled, and 14 larger Census places sit within 50 miles. Lenders licensed in Kansas reach Downs's 790 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Osborne, KS about 9 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 Downs 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 Downs is the same as anywhere in Kansas.
What loan size can I expect in Downs?
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 Downs?
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 Downs 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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