Personal loans in Clay Center, KS

A personal loan in Clay Center is priced from your credit file and income, not from the fact that the city holds 4,094 people. For a community of about 4,094, the practical step is to compare APR across at least three lenders before committing. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Clay Center as from the rest of the state. A larger market lies at Junction City, KS about 29 miles away.

Clay Center: the sourced local profile

Set out below is Clay Center's local context next to the state-level rules that reach every lender here.

• Population: 4,094 — Clay Center ranks 73rd of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 2.3% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 97 residents.
• Size percentile: about 88% of Kansas communities are smaller than Clay Center (4,094 residents).
• Population density: about 1,283 people per square mile (Census land area 3.2 sq mi).
• By land area: Clay Center ranks 80th among Kansas's 625 places, at 3.2 sq mi.
• Share of state population: Clay Center's 4,094 residents are about 0.2% of Kansas.
• National rank: Clay Center sits 5,395th by population among the 19,457 places in this dataset.
• Growth rank: Clay Center ranks 450th among Kansas's 625 places for the 2020-to-2023 change.
• Against the state trend: Clay Center's 2.3% change compares with a Kansas average of -1.0% across its 625 places.
• Density in Kansas: Clay Center ranks 133rd by people per square mile.
• Density in context: Clay Center's 1,283 people per square mile sit against a Kansas median of 764.
• Location: 39.3812, -97.1274 (Census Gazetteer coordinates).
• Nearest larger cities: Junction City (29 mi); Concordia (31 mi); Manhattan (31 mi); Abilene (32 mi); Wamego (45 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Morganville (7 mi); Green (8 mi); Wakefield (13 mi).
• Smaller neighbours: 71 places smaller than Clay Center sit within 50 miles.
• Within 100 miles: 13 places are larger than Clay Center.

Which Kansas laws govern a loan in Clay Center

Kansas has no separate rate rule for Clay Center; the sourced rows below are what reach every lender that serves its 4,094 people.

Lender access in Clay Center

With about 1,283 residents per square mile, Clay Center is moderately settled, and 6 larger Census places sit within 50 miles. Whether Clay Center has a local branch or not, a Kansas-licensed lender can serve its 4,094 people online on the same terms. The nearest larger city, Junction City, KS about 29 miles away.

The Clay Center borrowing checklist

For Clay Center's roughly 4,094 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
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. Verify the lender's Kansas licence with the regulator listed on this page.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

In Clay Center as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 4,094 residents.

Where Clay Center sits

The Census Gazetteer records about 3.2 square miles of land within Clay Center, with no significant water area listed. Spread across it are roughly 1,283 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 117 miles. Clay Center has 6 larger places within a 50-mile radius. Within the same 50 miles lie 71 smaller Census places.

Where Clay Center sits in Kansas

Clay Center is the 73rd-largest of 625 Census places in Kansas and contains about 0.2% of the state's people. For population change between 2020 and 2023, Clay Center ranks 450th of 625 in Kansas (about the 28th percentile). At about 1,283 people per square mile, Clay Center is the 133rd most densely settled place in Kansas. By land area, its 3.2 square miles rank 80th of 625 places in Kansas.