Personal loans in Dighton, KS

From the 2020 Census base to the 2023 estimate, the population declined by about 2.9%. The first question in Dighton is not the rate on offer but whether the payment fits; about 938 people live here under Kansas lending law.

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.

Dighton is home to roughly 938 people and stands 202nd by size out of 625 Census places in Kansas. For a bigger market, look to Scott City, KS about 24 miles away. Rate ceilings, licensing requirements and product limits for Dighton are all set at the Kansas level. Compare APR, not the interest rate, because the APR folds in most fees on a Dighton loan.

Borrowing in Dighton: the local picture

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

The state rulebook for Dighton

This table holds the Kansas rate and licensing rules for consumer loans made to Dighton's 938 residents.

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
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
as of 2026-09-16
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		Kansas Office of the State Bank Commissioner
as of 2026-09-16

How personal loans work in Dighton

In Dighton, a small community of about 938, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Dighton lender to disclose the APR and finance charge before you sign. Shortening the term on a Dighton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Dighton's place among Kansas's 625 places

Within Kansas, Dighton holds roughly 0.0% of all residents, the 202nd-largest share among 625 places. For population change between 2020 and 2023, Dighton ranks 508th of 625 in Kansas (about the 19th percentile). By density, at about 1,082 people per square mile, it ranks 194th in Kansas. The population moved by about 28 people between 2020 and 2023, a 2.9% shift.

How lenders reach Dighton

Dighton is moderately settled, with about 1,082 people per square mile and 9 larger places within 50 miles. Lenders licensed in Kansas reach Dighton's 938 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Scott City, KS about 24 miles away.

Where Dighton sits

Inside Dighton's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 1,082 people per square mile. The largest place in Kansas, Wichita, lies about 178 miles away. Dighton has 9 larger places within a 50-mile radius. By land area it ranks 232nd of 625 Kansas places.

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