Personal loans in Labette, KS

Personal loans in Labette are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 54 population. The Census estimates 54 residents in Labette, which ranks it 566th of 625 places in Kansas.

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.

The 2020 count to the 2023 estimate shows about 1.8% decline in Labette. Every figure below is Kansas's own, applied to Labette's 54 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Labette. A larger market lies at Oswego, KS about 6 miles away.

Labette: population, trend and location

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

What is available to Labette borrowers

At roughly 241 people per square mile, Labette is lightly settled; 108 larger places lie within 50 miles. Whether Labette has a local branch or not, a Kansas-licensed lender can serve its 54 people online on the same terms. For a larger market, the closest option is Oswego, KS about 6 miles away.

What Kansas law requires in Labette

Below are the Kansas rules that apply to a loan made in Labette, each with the regulator that issued it.

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
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
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

How personal loans work in Labette

In Labette, a small community of about 54, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Labette lender to disclose the APR and finance charge before you sign. The term you choose in Labette decides the split between a comfortable payment and the total interest you pay.

A practical checklist for Labette borrowers

Before you apply in Labette, a community of about 54, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Kansas; what changes is your credit file, not the fact that Labette holds 54 people.

The geography behind Labette

Labette's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 241 residents per square mile. Wichita, the largest place in Kansas, is about 123 miles from Labette. Within 50 miles of Labette there are 108 larger Census places. By land area it ranks 507th of 625 Kansas places.

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

Nearby places

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