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Personal loans in Erie, KS

A lender that serves Erie operates under Kansas lending statutes and a Kansas supervisor. Erie is home to roughly 1,019 people and stands 189th by size out of 625 Census places in Kansas. Personal loans in Erie are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,019 population. Erie lost roughly 2.9% of its population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Erie's 1,019 residents are no exception. The closest larger place is Chanute, KS about 14 miles away.

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.

Borrowing in Erie: the local picture

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

Erie's place among Kansas's 625 places

Within Kansas, Erie holds roughly 0.0% of all residents, the 189th-largest share among 625 places. On the 2020-to-2023 trend, Erie stands 504th among Kansas's 625 places — roughly the 19th percentile. Its roughly 804 residents per square mile place it 297th among Kansas's places. The population moved by about 30 people between 2020 and 2023, a 2.9% shift.

What Kansas law requires in Erie

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Erie is bound by the same rules.

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

The anatomy of a Erie personal loan

In Erie, a small community of about 1,019, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Erie. Because the payment is fixed, the total cost of a Erie loan is knowable in advance — unlike a revolving card balance.

Erie: area, density and distance

Inside Erie's boundaries lie about 1.3 square miles of land, with no significant water area recorded. Spread across it are roughly 804 residents per square mile. The state's population centre of gravity, Wichita, is roughly 115 miles away. Within 50 miles of Erie there are 23 larger Census places. The 100-mile radius contains 124 larger places.

Before you apply in Erie

Before you hand your details to a lender in Erie, where the population is near 1,019:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  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.

None of these steps is Erie-specific: the same Kansas licensing and disclosure rules reach all 1,019 residents.

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