Personal loans in Syracuse, KS

Syracuse is a small community of about 1,767 residents, and a personal loan taken out here is governed by Kansas statute. About 1,767 people live in Syracuse, placing it 129th of 625 Census places in Kansas.

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.

The trend for Syracuse between 2020 and 2023 is downward by roughly 3.3%. Judge Syracuse offers on total cost, not on how quickly the money arrives. A larger market lies at Lakin, KS about 29 miles away. Every figure below is Kansas's own, applied to Syracuse's 1,767 residents, with the publisher and retrieval date attached.

What the Census records for Syracuse

What follows is Syracuse's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

Syracuse on the map

Syracuse covers about 4.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 431 people per square mile. Wichita, the largest place in Kansas, is about 244 miles from Syracuse. Syracuse has 4 larger places within a 50-mile radius. Within the same 50 miles lie 14 smaller Census places.

Kansas rules behind a Syracuse personal loan

Kansas has no separate rate rule for Syracuse; the sourced rows below are what reach every lender that serves its 1,767 people.

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
UCCC consumer loan rate caps36% 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
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

How personal loans work in Syracuse

With roughly 1,767 residents, Syracuse is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Syracuse loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Syracuse loan is knowable in advance — unlike a revolving card balance.

Syracuse against the rest of Kansas

Set beside Kansas's 625 places, Syracuse ranks 129th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 546th of 625 Kansas places, putting it near the 13th percentile for growth. Its roughly 431 residents per square mile place it 468th among Kansas's places. By land area, its 4.1 square miles rank 70th of 625 places in Kansas.

A practical checklist for Syracuse borrowers

A sensible order of operations for a loan in Syracuse, home to about 1,767 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Kansas regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

The process is identical across Kansas; what changes is your credit file, not the fact that Syracuse holds 1,767 people.

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