Personal loans in Lone Elm, KS

Lone Elm by the numbers

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

• Population: the Census counts 21 residents in Lone Elm (Vintage 2023 subcounty estimate), the 619th-largest figure among Kansas's 625 places.
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: about 1% of Kansas's Census places are smaller than Lone Elm.
• Population density: 309 people per square mile on 0.1 square miles of land.
• Land area rank: Lone Elm's 0.1 square miles rank 619th of 625 places in Kansas.
• Within Kansas: about 0.0% of the state's population lives in Lone Elm.
• National rank: Lone Elm is the 19,337th most populous of the 19,457 Census places covered here.
• Growth rank: Lone Elm's 2020-to-2023 change ranks 173rd of 625 places in Kansas.
• Versus Kansas: the state average change is -1.0%, while Lone Elm moved 0.0%.
• Density in Kansas: Lone Elm ranks 527th by people per square mile.
• Density vs Kansas: Lone Elm's 309 people per square mile compare with a state median of 764.
• Location: the Census Gazetteer records it at 38.0796, -95.2431.
• Nearest larger cities: Kincaid (5 mi); Colony (6 mi); La Harpe (12 mi); Moran (12 mi); Gas (12 mi). Larger metros often have more branches, but online lenders reach Lone Elm on the same terms.
• Nearest smaller towns: Stotesbury (38 mi); Metz (44 mi); River Bend (89 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 2 of them.
• Within 100 miles: 413 places are larger than Lone Elm.

Which Kansas laws govern a loan in Lone Elm

This table holds the Kansas rate and licensing rules for consumer loans made to Lone Elm's 21 residents.

A practical checklist for Lone Elm borrowers

A sensible order of operations for a loan in Lone Elm, home to about 21 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
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. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

In Lone Elm as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 21 residents.

Lone Elm's place among Kansas's 625 places

Against Kansas's other places, Lone Elm accounts for about 0.0% of the state's population and ranks 619th of 625 by size. On the 2020-to-2023 trend, Lone Elm stands 173rd among Kansas's 625 places — roughly the 72th percentile. By density, at about 309 people per square mile, it ranks 527th in Kansas. Between 2020 and 2023 the count changed by roughly 0 residents.

Land, water and location for Lone Elm

Lone Elm's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 309 people per square mile. The largest place in Kansas, Wichita, lies about 118 miles away. Counting outward 50 miles, 88 larger communities surround Lone Elm. The 100-mile radius contains 413 larger places.

Inside a Lone Elm personal loan

Lone Elm is a small community of about 21 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 Lone Elm's rank of 619th in Kansas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Lone Elm loan but raises total interest, so the smallest payment is not the cheapest loan.