Personal loans in Lincolnville, KS

A lender serving Lincolnville holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 167 residents. The Census estimates 167 residents in Lincolnville, which ranks it 425th of 625 places in Kansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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 closest larger place is Marion, KS about 10 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 0.6%. Consumer lending that reaches Lincolnville's 167 residents is governed by Kansas statute; no city ordinance changes it. Decide the purpose of the loan and your repayment plan before sharing any details with a Lincolnville lender.

Lincolnville: population, trend and location

Here is the sourced Census picture for Lincolnville, plus the Kansas lending rules that apply to a loan taken out here.

The Lincolnville borrowing checklist

For Lincolnville's roughly 167 residents, these are the steps that most influence the offer:

  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. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Lincolnville as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 167 residents.

Lincolnville against the rest of Kansas

Lincolnville is the 425th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Lincolnville stands 228th among Kansas's 625 places — roughly the 64th percentile. Its roughly 742 residents per square mile place it 323rd among Kansas's places. In land area, Lincolnville ranks 505th among Kansas's 625 places.

What is available to Lincolnville borrowers

Lincolnville is moderately settled, with about 742 people per square mile and 48 larger places within 50 miles. Distance to a branch rarely matters for Lincolnville's 167 residents: the application is online and the price follows your credit file. The nearest bigger place is Marion, KS about 10 miles away.

Which Kansas laws govern a loan in Lincolnville

For the roughly 167 residents of Lincolnville, the rules below are Kansas's own; each row carries its publisher and retrieval date.

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

What shapes a Lincolnville personal loan

Lincolnville is a small community of about 167 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lincolnville. A longer term lowers the monthly payment on a Lincolnville loan but raises total interest, so the smallest payment is not the cheapest loan.

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