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Personal loans in Luray, KS

The roughly 164 people who live in Luray borrow under Kansas rules; city hall sets no personal-loan rate. Begin with the payment, then weigh APR and total interest across the lenders that reach Luray's 164 residents. Roughly 164 residents live in Luray, the 428th-largest community in Kansas. A single loan can carry different costs on either side of a state line, and Luray sits on the Kansas side of that line. Census figures put the 2020-to-2023 decrease in Luray at about 0.6%. The closest larger place is Lucas, KS about 9 miles away.

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.

Local context for Luray

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

What is available to Luray borrowers

At roughly 494 people per square mile, Luray is lightly settled; 34 larger places lie within 50 miles. Distance to a branch rarely matters for Luray's 164 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Lucas, KS about 9 miles away.

The Luray borrowing checklist

Before you apply in Luray, a community of about 164, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Luray and the rest of Kansas is not the process but the borrower's own file, among the 164 people here.

Luray: area, density and distance

The Census Gazetteer records about 0.3 square miles of land within Luray, with no significant water area listed. Spread across it are roughly 494 residents per square mile. Wichita, the largest place in Kansas, is about 122 miles from Luray. Counting outward 50 miles, 34 larger communities surround Luray. Within the same 50 miles lie 25 smaller Census places.

Luray against the rest of Kansas

Set beside Kansas's 625 places, Luray ranks 428th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 229th of 625 Kansas places, putting it near the 63th percentile for growth. At about 494 people per square mile, Luray is the 445th most densely settled place in Kansas. Within 50 miles sit 25 smaller Census places, alongside the 34 that are larger.

Kansas rules behind a Luray personal loan

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Luray is bound by the same rules.

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

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