Personal loans in Cambridge, KS

Local context for Cambridge

The figures below are Cambridge's own — Census population, land area and coordinates — followed by the Kansas rules.

• Population: 91 people, a figure that places Cambridge 511th among the 625 Census places in Kansas (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.1% between 2020 and 2023.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: Cambridge sits ahead of around 18% of Kansas places, at 91 people.
• Land and density: 0.2 square miles of land carry roughly 520 residents per square mile.
• By land area: Cambridge ranks 550th among Kansas's 625 places, at 0.2 sq mi.
• State population share: Cambridge accounts for about 0.0% of everyone in Kansas.
• National standing: Cambridge ranks 18,277th of 19,457 US places.
• Growth rank: Cambridge's 2020-to-2023 change ranks 300th of 625 places in Kansas.
• Against the state trend: Cambridge's 1.1% change compares with a Kansas average of -1.0% across its 625 places.
• Density in Kansas: Cambridge ranks 428th by people per square mile.
• Density in context: Cambridge's 520 people per square mile sit against a Kansas median of 764.
• Location: 37.3178, -96.6672 (US Census Bureau Gazetteer).
• Nearest larger cities: Burden (5 mi); Atlanta (10 mi); Dexter (10 mi); Grenola (12 mi); Latham (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Grainola (26 mi); Elgin (30 mi); Foraker (31 mi).
• Smaller neighbours: 12 places smaller than Cambridge sit within 50 miles.
• Larger places within 100 miles: 249.

Where Cambridge sits

The Census Gazetteer records about 0.2 square miles of land within Cambridge, with no significant water area listed. That land carries about 520 people per square mile. For the state's biggest city, Wichita, the distance is roughly 45 miles. Cambridge has 55 larger places within a 50-mile radius. By land area it ranks 550th of 625 Kansas places.

What shapes a Cambridge personal loan

Cambridge is a small community of about 91 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Cambridge's rank of 511th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Cambridge decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Cambridge

With about 520 residents per square mile, Cambridge is moderately settled, and 55 larger Census places sit within 50 miles. Whether Cambridge has a local branch or not, a Kansas-licensed lender can serve its 91 people online on the same terms. For a larger market, the closest option is Burden, KS about 5 miles away.

The Cambridge borrowing checklist

Complete these steps first when you borrow in Cambridge (91 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Kansas licence by checking the regulator named above.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Kansas; what changes is your credit file, not the fact that Cambridge holds 91 people.

The state rulebook for Cambridge

The rows below set out what a licensed lender must follow in Kansas, and so for Cambridge's roughly 91 residents.