Personal loans in Willis, KS

If you are weighing a personal loan in Willis, start from the payment you can carry; its 23 residents face the same statewide rules. Population in Willis dropped about 4.2% over the three years from 2020 to 2023. Judge Willis offers on total cost, not on how quickly the money arrives. The nearest larger metro is Horton, KS about 4 miles away.

Willis: population, trend and location

Two layers matter for a Willis borrower: the local population picture and Kansas's consumer-lending statutes.

• Population: 23 — Willis ranks 616th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: About 4.2% below the 2020 Census base.
• Absolute change: 1 residents lost between 2020 and 2023.
• Size percentile: with 23 residents, Willis is larger than about 1% of Kansas's Census places.
• Population density: about 140 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Willis's 0.2 square miles rank 565th of 625 places in Kansas.
• Share of Kansas: Willis holds about 0.0% of the state's population, some 23 people.
• National rank: Willis sits 19,318th by population among the 19,457 places in this dataset.
• Growth rank: Willis's 2020-to-2023 change ranks 584th of 625 places in Kansas.
• State comparison: Kansas's places average -1.0% for 2020-to-2023, against Willis's 4.2%.
• Density in Kansas: Willis ranks 601st by people per square mile.
• Against the state median: Willis runs about 140 residents per square mile, where the Kansas median is 764.
• Location: coordinates 39.7226, -95.5058 (US Census Bureau Gazetteer).
• Nearest larger cities: Horton (4 mi); Everest (5 mi); Powhattan (7 mi); Robinson (8 mi); Hiawatha (9 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Fortescue (25 mi); Bigelow (29 mi); Barada (34 mi).
• Within a 50-mile radius: 3 smaller Census places.
• At 100 miles: 481 larger Census places fall inside that radius.

Kansas consumer-lending rules applied in Willis

Kansas has no separate rate rule for Willis; the sourced rows below are what reach every lender that serves its 23 people.

What shapes a Willis personal loan

Most loans made to Willis's 23 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Willis loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Willis loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A practical checklist for Willis borrowers

Before you apply in Willis, a community of about 23, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Kansas regulator's licence list.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Willis-specific: the same Kansas licensing and disclosure rules reach all 23 residents.

Where Willis sits

Willis's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 140 people per square mile. The state's population centre of gravity, Wichita, is roughly 172 miles away. Counting outward 50 miles, 115 larger communities surround Willis. By land area it ranks 565th of 625 Kansas places.

Getting a loan in Willis

Willis is lightly settled, with about 140 people per square mile and 115 larger places within 50 miles. Lenders licensed in Kansas reach Willis's 23 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Horton, KS about 4 miles away.