Personal loans in Tampa, KS

Personal loans in Tampa are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 105 population. An estimated 105 people make their home in Tampa, a figure that ranks 492nd in Kansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Tampa loan. Tampa lost roughly 1.9% of its population across the 2020-to-2023 comparison. A single loan can carry different costs on either side of a state line, and Tampa sits on the Kansas side of that line. Borrowers who want a bigger city can look to Hope, KS about 11 miles away.

Tampa: population, trend and location

Most of what governs a Tampa loan is written in Kansas law rather than in the city; the sourced notes below make that split concrete.

Tampa in state context

Among Kansas's 625 places, Tampa sits at 492nd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 391st of 625 Kansas places, putting it near the 37th percentile for growth. By density, at about 590 people per square mile, it ranks 392nd in Kansas. The population moved by about 2 people between 2020 and 2023, a 1.9% shift.

Kansas rules behind a Tampa personal loan

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Tampa lender must follow.

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
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
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

Tampa: area, density and distance

Tampa's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 590 people per square mile. Wichita, the largest place in Kansas, is about 60 miles from Tampa. Tampa has 58 larger places within a 50-mile radius. Within the same 50 miles lie 15 smaller Census places.

How lenders reach Tampa

Tampa is a moderately settled community of about 105 people, with 58 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Tampa's 105 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Hope, KS about 11 miles away.

How personal loans work in Tampa

With roughly 105 residents, Tampa is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Tampa can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Tampa loan but raises total interest, so the smallest payment is not the cheapest loan.

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