Personal loans in Palmer, KS

Census data show virtually no population shift in Palmer between 2020 and 2023. Read the disclosure for an origination fee and any prepayment penalty before signing in Palmer. State law, not city hall, decides what a lender may do to Palmer's roughly 124 residents, and a state regulator supervises it. The nearest larger city is Linn, KS about 4 miles away.

Palmer: population, trend and location

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

• Population: 124 — Palmer ranks 470th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
• Size percentile: bigger than about 25% of the places in Kansas, with 124 residents in Palmer.
• Land and density: 0.3 square miles of land carry roughly 401 residents per square mile.
• Land area: Palmer covers 0.3 square miles, the 426th-largest area among Kansas's 625 places.
• Share of Kansas: Palmer holds about 0.0% of the state's population, some 124 people.
• National rank: Palmer is the 17,709th most populous of the 19,457 Census places covered here.
• Growth rank: Palmer ranks 133rd among Kansas's 625 places for the 2020-to-2023 change.
• Against the state trend: Palmer's 0.0% change compares with a Kansas average of -1.0% across its 625 places.
• Density rank: Palmer is the 481st most densely settled place in Kansas.
• Against the state median: Palmer runs about 401 residents per square mile, where the Kansas median is 764.
• Location: 39.6329, -97.1404 (US Census Bureau Gazetteer).
• Nearest larger cities: Linn (4 mi); Clifton (9 mi); Greenleaf (11 mi); Morganville (12 mi); Washington (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Vining (9 mi); Morrowville (15 mi); Green (16 mi), each with its own Census population profile.
• Smaller neighbours: 34 places smaller than Palmer sit within 50 miles.
• Larger places within 100 miles: 256.

Palmer against the rest of Kansas

Set beside Kansas's 625 places, Palmer ranks 470th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Palmer stands 133rd among Kansas's 625 places — roughly the 79th percentile. At about 401 people per square mile, Palmer is the 481st most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 0 residents.

How a Palmer personal loan is priced

With roughly 124 residents, Palmer is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Palmer's rank of 470th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Palmer decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Palmer

With about 401 residents per square mile, Palmer is lightly settled, and 52 larger Census places sit within 50 miles. A Kansas licence lets a lender serve Palmer without a local office, so branch density does not change what its 124 residents are offered. For a larger market, the closest option is Linn, KS about 4 miles away.

Before you apply in Palmer

For Palmer's roughly 124 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Kansas regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Kansas; what changes is your credit file, not the fact that Palmer holds 124 people.

What Kansas law requires in Palmer

For the roughly 124 residents of Palmer, the rules below are Kansas's own; each row carries its publisher and retrieval date.