Personal loans in Silver Lake, KS

Where Silver Lake stands

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

• Population: about 1,315 people live here, which puts Silver Lake 160th of 625 Census places in Kansas (Vintage 2023).
• Population trend: Lower by roughly 2.2% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 30 residents.
• Size percentile: Silver Lake's 1,315 people outrank roughly 74% of the places in Kansas.
• Density: roughly 2,336 residents per square mile, spread over 0.6 sq mi of land.
• By land area: Silver Lake ranks 297th among Kansas's 625 places, at 0.6 sq mi.
• Water area: Silver Lake has 0.03 square miles of water, ranking 84th of 625 places in Kansas.
• Within Kansas: about 0.1% of the state's population lives in Silver Lake.
• Nationally: Silver Lake is the 9,218th-largest of 19,457 Census places in the dataset.
• Growth rank: Silver Lake ranks 440th among Kansas's 625 places for the 2020-to-2023 change.
• Versus Kansas: the state average change is -1.0%, while Silver Lake moved 2.2%.
• Density in Kansas: Silver Lake ranks 17th by people per square mile.
• Against the state median: Silver Lake runs about 2,336 residents per square mile, where the Kansas median is 764.
• Location: it lies at 39.0998, -95.8567 in the Census Gazetteer.
• Nearest larger cities: Topeka (10 mi); St. Marys (13 mi); Carbondale (21 mi); Wamego (25 mi); Holton (26 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Willard (5 mi); Rossville (6 mi); Maple Hill (9 mi).
• Smaller neighbours: 68 places smaller than Silver Lake sit within 50 miles.
• At 100 miles: 111 larger Census places fall inside that radius.

Getting a loan in Silver Lake

Silver Lake is fairly dense, with about 2,336 people per square mile and 18 larger places within 50 miles. Lenders licensed in Kansas reach Silver Lake's 1,315 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Topeka, KS about 10 miles away.

Silver Lake's place among Kansas's 625 places

Within Kansas, Silver Lake holds roughly 0.1% of all residents, the 160th-largest share among 625 places. Its 2020-to-2023 change ranks 440th of 625 Kansas places, putting it near the 30th percentile for growth. At about 2,336 people per square mile, Silver Lake is the 17th most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 30 residents.

Inside a Silver Lake personal loan

Most loans made to Silver Lake's 1,315 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Silver Lake lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Silver Lake loan is knowable in advance — unlike a revolving card balance.

The Kansas lending rules that reach Silver Lake

This table holds the Kansas rate and licensing rules for consumer loans made to Silver Lake's 1,315 residents.

What to do before borrowing in Silver Lake

Before you hand your details to a lender in Silver Lake, where the population is near 1,315:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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 lender holds a Kansas licence by checking the regulator named above.
5. Write down the purpose of the loan and your repayment plan before you apply.
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 Silver Lake holds 1,315 people.