Personal loans in Logan, KS

Population in Logan dropped about 4.4% over the three years from 2020 to 2023. The Census estimates 436 residents in Logan, which ranks it 292nd 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.

Logan counts about 436 people, and what is genuinely local about borrowing here is limited — Kansas law does the governing. Pull your credit reports and line up at least three offers before you apply from Logan. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Logan as from the rest of the state. The nearest larger metro is Phillipsburg, KS about 14 miles away.

Local context for Logan

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

Kansas consumer-lending rules applied in Logan

This table holds the Kansas rate and licensing rules for consumer loans made to Logan's 436 residents.

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
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
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

The geography behind Logan

Logan covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 436 residents, the land area yields roughly 291 people per square mile. Wichita, the largest place in Kansas, is about 181 miles from Logan. Logan has 13 larger places within a 50-mile radius. By land area it ranks 147th of 625 Kansas places.

How lenders reach Logan

Logan is lightly settled, with about 291 people per square mile and 13 larger places within 50 miles. A Kansas licence lets a lender serve Logan without a local office, so branch density does not change what its 436 residents are offered. The nearest larger city, Phillipsburg, KS about 14 miles away.

Logan in state context

Against Kansas's other places, Logan accounts for about 0.0% of the state's population and ranks 292nd of 625 by size. For population change between 2020 and 2023, Logan ranks 595th of 625 in Kansas (about the 5th percentile). At about 291 people per square mile, Logan is the 537th most densely settled place in Kansas. By land area, its 1.5 square miles rank 147th of 625 places in Kansas.

The anatomy of a Logan personal loan

Logan is a small community of about 436 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Logan's rank of 292nd in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Logan loan is knowable in advance — unlike a revolving card balance.

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