Personal loans in Lecompton, KS

Census figures put the 2020-to-2023 increase in Lecompton at about 0.7%. With roughly 595 residents, Lecompton is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city.

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.

About 595 people live in Lecompton, placing it 258th of 625 Census places in Kansas. The nearest larger metro is Perry, KS about 2 miles away. State law, not city hall, decides what a lender may do to Lecompton's roughly 595 residents, and a state regulator supervises it. Pull your credit reports and line up at least three offers before you apply from Lecompton.

Lecompton: the sourced local profile

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

The Kansas lending rules that reach Lecompton

Below are the Kansas rules that apply to a loan made in Lecompton, 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
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

Where Lecompton sits in Kansas

Lecompton is the 258th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Lecompton stands 87th among Kansas's 625 places — roughly the 86th percentile. At about 483 people per square mile, Lecompton is the 451st most densely settled place in Kansas. The population moved by about 4 people between 2020 and 2023, a 0.7% shift.

Lender access in Lecompton

Lecompton is a lightly settled community of about 595 people, with 69 larger places inside a 50-mile radius. Distance to a branch rarely matters for Lecompton's 595 residents: the application is online and the price follows your credit file. The nearest larger city, Perry, KS about 2 miles away.

The geography behind Lecompton

Lecompton's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 483 residents per square mile. The state's population centre of gravity, Wichita, is roughly 141 miles away. Within 50 miles of Lecompton there are 69 larger Census places. By land area it ranks 169th of 625 Kansas places.

Steps to take before a Lecompton loan

These steps shape the offer you get in Lecompton, a place of about 595 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Lecompton-specific: the same Kansas licensing and disclosure rules reach all 595 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 Lecompton 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 Lecompton is the same as anywhere in Kansas.
What loan size can I expect in Lecompton?
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 Lecompton?
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 Lecompton 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

Related