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Personal loans in Gypsum, KS

Gypsum is a small community of about 392 residents, and a personal loan taken out here is governed by Kansas statute. The 2020 count to the 2023 estimate shows about 2.2% decline in Gypsum. At about 392 residents, Gypsum is larger than roughly 51% of the places in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Gypsum. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Gypsum as from the rest of the state. The next larger city is Assaria, KS about 10 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.

What the Census records for Gypsum

What follows is Gypsum's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Inside a Gypsum personal loan

Gypsum is a small community of about 392 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Gypsum's rank of 309th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Gypsum loan but raises total interest, so the smallest payment is not the cheapest loan.

Kansas consumer-lending rules applied in Gypsum

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Gypsum lender must follow.

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
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

Gypsum's place among Kansas's 625 places

Among Kansas's 625 places, Gypsum sits at 309th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Gypsum ranks 443rd of 625 in Kansas (about the 29th percentile). By density, at about 1,048 people per square mile, it ranks 207th in Kansas. In land area, Gypsum ranks 380th among Kansas's 625 places.

Gypsum on the map

Gypsum covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,048 residents per square mile. Wichita, the largest place in Kansas, is about 70 miles from Gypsum. Gypsum has 38 larger places within a 50-mile radius. Within the same 50 miles lie 35 smaller Census places.

A practical checklist for Gypsum borrowers

These steps shape the offer you get in Gypsum, a place of about 392 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Kansas regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Kansas; what changes is your credit file, not the fact that Gypsum holds 392 people.

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