Personal loans in Tyro, KS

Roughly 172 residents live in Tyro, the 418th-largest community in Kansas. Tyro, Kansas — home to about 172 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule.

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.

A 2020-to-2023 comparison shows Tyro down by about 2.8%. Rate-shopping from Tyro costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is Kansas's own, applied to Tyro's 172 residents, with the publisher and retrieval date attached. For a bigger market, look to Caney, KS about 6 miles away.

What the Census records for Tyro

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

How Kansas law applies in Tyro

Kansas has no separate rate rule for Tyro; the sourced rows below are what reach every lender that serves its 172 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
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

Where Tyro sits

Tyro covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 376 people per square mile. For the state's biggest city, Wichita, the distance is roughly 95 miles. Within 50 miles of Tyro there are 51 larger Census places. The 100-mile radius contains 266 larger places.

Tyro's place among Kansas's 625 places

Tyro is the 418th-largest of 625 Census places in Kansas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 500th of 625 Kansas places, putting it near the 20th percentile for growth. By density, at about 376 people per square mile, it ranks 493rd in Kansas. Between 2020 and 2023 the count changed by roughly 5 residents.

What is available to Tyro borrowers

With about 376 residents per square mile, Tyro is lightly settled, and 51 larger Census places sit within 50 miles. What is available to Tyro's 172 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Caney, KS about 6 miles away.

What to do before borrowing in Tyro

Before you hand your details to a lender in Tyro, where the population is near 172:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Kansas licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Tyro-specific: the same Kansas licensing and disclosure rules reach all 172 residents.

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