Personal loans in Emporia, KS

The 2020 count to the 2023 estimate shows about 0.1% decline in Emporia. Judge Emporia offers on total cost, not on how quickly the money arrives. A single loan can carry different costs on either side of a state line, and Emporia sits on the Kansas side of that line. Borrowers who want a bigger city can look to Topeka, KS about 51 miles away.

Emporia: the sourced local profile

The figures below are Emporia's own — Census population, land area and coordinates — followed by the Kansas rules.

• Population: the Census counts 24,105 residents in Emporia (Vintage 2023 subcounty estimate), the 18th-largest figure among Kansas's 625 places.
• Population trend: Lower by roughly 0.1% since the 2020 count.
• People gained or lost: about 33 fewer since the 2020 base.
• Size percentile: about 97% of Kansas communities are smaller than Emporia (24,105 residents).
• Density: roughly 1,936 residents per square mile, spread over 12.5 sq mi of land.
• By land area: Emporia ranks 20th among Kansas's 625 places, at 12.5 sq mi.
• Water area rank: Emporia ranks 31st among Kansas's 625 places, with 0.12 sq mi.
• Share of Kansas: Emporia holds about 1.0% of the state's population, some 24,105 people.
• Nationally: Emporia is the 1,627th-largest of 19,457 Census places in the dataset.
• Growth rank: Emporia ranks 184th among Kansas's 625 places for the 2020-to-2023 change.
• Against the state trend: Emporia's 0.1% change compares with a Kansas average of -1.0% across its 625 places.
• Density in Kansas: Emporia ranks 31st by people per square mile.
• Against the state median: Emporia runs about 1,936 residents per square mile, where the Kansas median is 764.
• Location: it lies at 38.4019, -96.1917 in the Census Gazetteer.
• Nearest larger cities: Topeka (51 mi); Manhattan (59 mi); Lawrence (63 mi); Gardner (74 mi); Wichita (80 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Americus (8 mi); Olpe (10 mi); Neosho Rapids (11 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 64 smaller Census places.
• Within 100 miles: 18 places are larger than Emporia.

Emporia's place among Kansas's 625 places

Emporia is the 18th-largest of 625 Census places in Kansas and contains about 1.0% of the state's people. Its 2020-to-2023 change ranks 184th of 625 Kansas places, putting it near the 71th percentile for growth. Its roughly 1,936 residents per square mile place it 31st among Kansas's places. By land area, its 12.5 square miles rank 20th of 625 places in Kansas.

What is available to Emporia borrowers

At roughly 1,936 people per square mile, Emporia is moderately settled; 0 larger places lie within 50 miles. What is available to Emporia's 24,105 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Topeka, KS about 51 miles away.

Land, water and location for Emporia

Inside Emporia's boundaries lie roughly 12.5 square miles of land and 0.12 square miles of water. Spread across it are roughly 1,936 residents per square mile. The largest place in Kansas, Wichita, lies about 80 miles away. A 50-mile radius around Emporia takes in 0 places that are larger. By land area it ranks 20th of 625 Kansas places.

Before you apply in Emporia

Before you apply in Emporia, a community of about 24,105, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Kansas licence with the regulator named above before committing.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Emporia as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 24,105 residents.

What Kansas law requires in Emporia

These are Kansas's sourced lending facts as they reach Emporia's 24,105 residents; the state has no city-level rate rule.