Personal loans in Longton, KS

The first question in Longton is not the rate on offer but whether the payment fits; about 283 people live here under Kansas lending law. With 283 residents, Longton outranks about 43% of the communities 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.

Longton shed about 0.7% of its population between the 2020 base and the 2023 estimate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Longton loan. For a bigger market, look to Howard, KS about 12 miles away. Lenders active in Longton report to a Kansas supervisor, identified in the sourced rows below.

Local context for Longton

Two layers matter for a Longton borrower: the local population picture and Kansas's consumer-lending statutes.

Longton on the map

The Census Gazetteer records about 1.2 square miles of land within Longton, with no significant water area listed. Spread across it are roughly 241 residents per square mile. The state's population centre of gravity, Wichita, is roughly 73 miles away. Within 50 miles of Longton there are 28 larger Census places. Within the same 50 miles lie 31 smaller Census places.

Kansas rules behind a Longton personal loan

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

Longton in state context

Within Kansas, Longton holds roughly 0.0% of all residents, the 354th-largest share among 625 places. Its 2020-to-2023 change ranks 247th of 625 Kansas places, putting it near the 60th percentile for growth. At about 241 people per square mile, Longton is the 563rd most densely settled place in Kansas. The population moved by about 2 people between 2020 and 2023, a 0.7% shift.

The anatomy of a Longton personal loan

Most loans made to Longton's 283 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Longton lender to disclose the APR and finance charge before you sign. Shortening the term on a Longton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Longton borrowing checklist

Before you hand your details to a lender in Longton, where the population is near 283:

  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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the Kansas licence with the regulator named above before committing.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Longton as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 283 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 Longton 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 Longton is the same as anywhere in Kansas.
What loan size can I expect in Longton?
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 Longton?
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 Longton 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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