Personal loans in Latham, KS

The closest larger place is Atlanta, KS about 10 miles away. Census figures put the 2020-to-2023 increase in Latham at about 1.0%. Every figure below is Kansas's own, applied to Latham's 100 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Latham.

What the Census records for Latham

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

• Population: 100 — Latham ranks 496th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 1.0% across the 2020-to-2023 comparison.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: roughly 21% of Kansas's places have fewer residents than Latham's 100.
• Density: the Census land area of 0.2 sq mi holds about 461 people per square mile.
• Land area: Latham covers 0.2 square miles, the 514th-largest area among Kansas's 625 places.
• Share of Kansas: Latham holds about 0.0% of the state's population, some 100 people.
• National rank: Latham is 18,125th of 19,457 places nationwide.
• Growth rank: Latham ranks 68th among Kansas's 625 places for the 2020-to-2023 change.
• Against the state trend: Latham's 1.0% change compares with a Kansas average of -1.0% across its 625 places.
• Density rank: Latham is the 458th most densely settled place in Kansas.
• Against the state median: Latham runs about 461 residents per square mile, where the Kansas median is 764.
• Location: coordinates 37.5356, -96.6425 (US Census Bureau Gazetteer).
• Nearest larger cities: Atlanta (10 mi); Leon (13 mi); Burden (16 mi); Grenola (17 mi); Douglass (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Cambridge (15 mi); Climax (26 mi); New Albany (39 mi).
• Smaller neighbours: 12 places smaller than Latham sit within 50 miles.
• At 100 miles: 242 larger Census places fall inside that radius.

Latham on the map

The Census Gazetteer records about 0.2 square miles of land within Latham, with no significant water area listed. Spread across it are roughly 461 residents per square mile. For the state's biggest city, Wichita, the distance is roughly 40 miles. A 50-mile radius around Latham takes in 52 places that are larger. Within the same 50 miles lie 12 smaller Census places.

The Kansas lending rules that reach Latham

Below are the Kansas rules that apply to a loan made in Latham, each with the regulator that issued it.

What shapes a Latham personal loan

In Latham, a small community of about 100, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Latham's rank of 496th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Latham loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Latham

Latham is a lightly settled community of about 100 people, with 52 larger places inside a 50-mile radius. A Kansas licence lets a lender serve Latham without a local office, so branch density does not change what its 100 residents are offered. For a larger market, the closest option is Atlanta, KS about 10 miles away.

The Latham borrowing checklist

Before you apply in Latham, a community of about 100, work through these steps:

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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Kansas licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Latham and the rest of Kansas is not the process but the borrower's own file, among the 100 people here.