Personal loans in Latimer, KS

The roughly 31 people who live in Latimer borrow under Kansas rules; city hall sets no personal-loan rate. Consumer lending that reaches Latimer's 31 residents is governed by Kansas statute; no city ordinance changes it.

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.

Roughly 31 residents live in Latimer, the 603rd-largest community in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Latimer. Between the 2020 Census base and the 2023 estimate, Latimer's population barely changed. For a bigger market, look to Herington, KS about 4 miles away.

Latimer: the sourced local profile

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

Borrowing reach in Latimer

With about 517 residents per square mile, Latimer is moderately settled, and 70 larger Census places sit within 50 miles. Distance to a branch rarely matters for Latimer's 31 residents: the application is online and the price follows your credit file. The nearest larger city, Herington, KS about 4 miles away.

A pre-application checklist for Latimer

A sensible order of operations for a loan in Latimer, home to about 31 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  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. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Test the payment against your current bills before you commit.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Kansas; what changes is your credit file, not the fact that Latimer holds 31 people.

Latimer on the map

Inside Latimer's boundaries lie about 0.1 square miles of land, with no significant water area recorded. With 31 residents, the land area yields roughly 517 people per square mile. The largest place in Kansas, Wichita, lies about 77 miles away. Within 50 miles of Latimer there are 70 larger Census places. Within the same 50 miles lie 4 smaller Census places.

What Kansas law requires in Latimer

Kansas has no separate rate rule for Latimer; the sourced rows below are what reach every lender that serves its 31 people.

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
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
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

Where Latimer sits in Kansas

Within Kansas, Latimer holds roughly 0.0% of all residents, the 603rd-largest share among 625 places. For population change between 2020 and 2023, Latimer ranks 164th of 625 in Kansas (about the 74th percentile). Its roughly 517 residents per square mile place it 429th among Kansas's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

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