Personal loans in Sublette, KS
Sublette is a small community in Kansas, with an estimated 1,352 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 4.3% decline in Sublette.
An estimated 1,352 people make their home in Sublette, a figure that ranks 154th in Kansas. Decide the purpose of the loan and your repayment plan before sharing any details with a Sublette lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Sublette's 1,352 residents. The closest larger place is Ulysses, KS about 29 miles away.
Sublette: the sourced local profile
Sublette is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,352 — Sublette ranks 154th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
- Population trend: Down about 4.3% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 61 fewer since the 2020 base.
- Size percentile: bigger than about 75% of the places in Kansas, with 1,352 residents in Sublette.
- Land and density: 1.1 square miles of land carry roughly 1,278 residents per square mile.
- Land area rank: Sublette's 1.1 square miles rank 193rd of 625 places in Kansas.
- State share: roughly 0.1% of Kansas's residents live in Sublette (1,352 people).
- National standing: Sublette ranks 9,100th of 19,457 US places.
- Growth rank: Sublette's 2020-to-2023 change ranks 592nd of 625 places in Kansas.
- Versus Kansas: the state average change is -1.0%, while Sublette moved 4.3%.
- Density rank: Sublette is the 135th most densely settled place in Kansas.
- Density vs Kansas: Sublette's 1,278 people per square mile compare with a state median of 764.
- Location: the Census Gazetteer records it at 37.4822, -100.8466.
- Nearest larger cities: Ulysses (29 mi); Liberal (30 mi); Meade (31 mi); Garden City (34 mi); Hugoton (35 mi). Larger metros often have more branches, but online lenders reach Sublette on the same terms.
- Smaller communities within reach: Satanta (8 mi); Copeland (13 mi); Plains (21 mi).
- Smaller neighbours: 16 places smaller than Sublette sit within 50 miles.
- Within 100 miles: 19 places are larger than Sublette.
Where Sublette sits in Kansas
Among Kansas's 625 places, Sublette sits at 154th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Sublette stands 592nd among Kansas's 625 places — roughly the 5th percentile. At about 1,278 people per square mile, Sublette is the 135th most densely settled place in Kansas. Within 50 miles sit 16 smaller Census places, alongside the 10 that are larger.
The Sublette borrowing checklist
A sensible order of operations for a loan in Sublette, home to about 1,352 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Kansas regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
The process is identical across Kansas; what changes is your credit file, not the fact that Sublette holds 1,352 people.
Inside a Sublette personal loan
In Sublette, a small community of about 1,352, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Sublette lender to disclose the APR and finance charge before you sign. The term you choose in Sublette decides the split between a comfortable payment and the total interest you pay.
Kansas rules behind a Sublette personal loan
Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Sublette lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas 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 |
| Small-loan / installment lender licensing | Supervised 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 |
| UCCC consumer loan rate caps | 36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans) Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860". | Kansas Office of the State Bank Commissioner as of 2026-09-16 |
Sublette on the map
The Census Gazetteer records about 1.1 square miles of land within Sublette, with no significant water area listed. Spread across it are roughly 1,278 residents per square mile. Wichita, the largest place in Kansas, is about 192 miles from Sublette. Within 50 miles of Sublette there are 10 larger Census places. By land area it ranks 193rd of 625 Kansas places.
Common questions
What are my options in Sublette if my credit is poor?
What loan size can I expect in Sublette?
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Does comparing loans in Sublette cost me credit score points?
Nearby places
- Satanta, KS — population 1,055
- Copeland, KS — population 251
- Kismet, KS — population 332
- Plains, KS — population 1,017
- Moscow, KS — population 260
- Montezuma, KS — population 976
- Liberal, KS — population 18,999
- Garden City, KS — population 27,371