Personal loans in Holton, KS

From the 2020 Census base to the 2023 estimate, the population declined by about 0.5%. Compare APR, not the interest rate, because the APR folds in most fees on a Holton loan. The closest larger city is Topeka, KS about 30 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Holton's 3,382 residents.

Holton: the sourced local profile

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

• Population: about 3,382 people live here, which puts Holton 83rd of 625 Census places in Kansas (Vintage 2023).
• Population trend: Lower by roughly 0.5% since the 2020 count.
• Net change: roughly 17 fewer people than the 2020 Census counted.
• Size percentile: about 87% of Kansas communities are smaller than Holton (3,382 residents).
• Population density: 1,264 people per square mile on 2.7 square miles of land.
• Land area rank: Holton's 2.7 square miles rank 90th of 625 places in Kansas.
• Water: Holton holds about 0.08 square miles, the 47th-largest water area in Kansas.
• Share of Kansas: Holton holds about 0.1% of the state's population, some 3,382 people.
• National standing: Holton ranks 5,921st of 19,457 US places.
• Growth rank: Holton ranks 220th among Kansas's 625 places for the 2020-to-2023 change.
• Against the state trend: Holton's 0.5% change compares with a Kansas average of -1.0% across its 625 places.
• Density in Kansas: Holton ranks 138th by people per square mile.
• Density in context: Holton's 1,264 people per square mile sit against a Kansas median of 764.
• Location: mapped by the US Census Bureau at 39.4699, -95.7326.
• Nearest larger cities: Topeka (30 mi); Atchison (32 mi); Wamego (36 mi); Falls City (42 mi); Tonganoxie (43 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Circleville (7 mi); Denison (8 mi); Mayetta (9 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 95 smaller Census places.
• Larger places within 100 miles: 73.

Lender access in Holton

Holton is a moderately settled community of about 3,382 people, with 9 larger places inside a 50-mile radius. What is available to Holton's 3,382 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Topeka, KS about 30 miles away.

Holton: area, density and distance

Holton covers about 2.7 square miles of land, with 0.08 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,264 people per square mile. For the state's biggest city, Wichita, the distance is roughly 151 miles. Holton has 9 larger places within a 50-mile radius. By land area it ranks 90th of 625 Kansas places.

Where Holton sits in Kansas

Holton is the 83rd-largest of 625 Census places in Kansas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Holton stands 220th among Kansas's 625 places — roughly the 65th percentile. At about 1,264 people per square mile, Holton is the 138th most densely settled place in Kansas. By land area, its 2.7 square miles rank 90th of 625 places in Kansas.

Kansas consumer-lending rules applied in Holton

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

The Holton borrowing checklist

Before you apply in Holton, a community of about 3,382, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Kansas regulator's licence list.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

In Holton as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 3,382 residents.