Personal loans in Medicine Lodge, KS

With roughly 1,707 residents, Medicine Lodge 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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Medicine Lodge. Medicine Lodge is home to roughly 1,707 people and stands 134th by size out of 625 Census places in Kansas. A lender that serves Medicine Lodge operates under Kansas lending statutes and a Kansas supervisor. Population in Medicine Lodge dropped about 3.9% over the three years from 2020 to 2023. The closest larger place is Pratt, KS about 30 miles away.

Medicine Lodge: population, trend and location

Set out below is Medicine Lodge's local context next to the state-level rules that reach every lender here.

What a Medicine Lodge borrower is actually offered

Medicine Lodge is a small community of about 1,707 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 Medicine Lodge's rank of 134th 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 Medicine Lodge loan is knowable in advance — unlike a revolving card balance.

Medicine Lodge on the map

Medicine Lodge's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,425 residents per square mile. The state's population centre of gravity, Wichita, is roughly 73 miles away. Counting outward 50 miles, 4 larger communities surround Medicine Lodge. The 100-mile radius contains 47 larger places.

Medicine Lodge in state context

Among Kansas's 625 places, Medicine Lodge sits at 134th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Medicine Lodge ranks 573rd of 625 in Kansas (about the 8th percentile). Its roughly 1,425 residents per square mile place it 99th among Kansas's places. In land area, Medicine Lodge ranks 172nd among Kansas's 625 places.

What Kansas law requires in Medicine Lodge

This table holds the Kansas rate and licensing rules for consumer loans made to Medicine Lodge's 1,707 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
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

Steps to take before a Medicine Lodge loan

For Medicine Lodge's roughly 1,707 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. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Medicine Lodge as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 1,707 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 Medicine Lodge 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 Medicine Lodge is the same as anywhere in Kansas.
What loan size can I expect in Medicine Lodge?
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 Medicine Lodge?
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 Medicine Lodge 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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