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Personal loans in Lost Springs, KS

Two households in Lost Springs with comparable incomes can still be offered different rates; the city's 54 residents are not the reason. An estimated 54 people make their home in Lost Springs, a figure that ranks 567th in Kansas. Population in Lost Springs dropped about 1.8% over the three years from 2020 to 2023. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Lost Springs as from the rest of the state. Read the disclosure for an origination fee and any prepayment penalty before signing in Lost Springs. A larger market lies at Lincolnville, KS about 5 miles away.

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.

Borrowing in Lost Springs: the local picture

Lost Springs is a small community; the notes below cover its population profile and the statewide rules that apply.

Borrowing reach in Lost Springs

Lost Springs is a lightly settled community of about 54 people, with 60 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Lost Springs's 54 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lincolnville, KS about 5 miles away.

Kansas consumer-lending rules applied in Lost Springs

For the roughly 54 residents of Lost Springs, the rules below are Kansas's own; each row carries its publisher and retrieval date.

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
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
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

Lost Springs against the rest of Kansas

Against Kansas's other places, Lost Springs accounts for about 0.0% of the state's population and ranks 567th of 625 by size. On the 2020-to-2023 trend, Lost Springs stands 381st among Kansas's 625 places — roughly the 39th percentile. Its roughly 243 residents per square mile place it 560th among Kansas's places. Within 50 miles sit 9 smaller Census places, alongside the 60 that are larger.

What a Lost Springs borrower is actually offered

A Lost Springs personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 54 residents. A lender serving Lost Springs's 54 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Lost Springs decides the split between a comfortable payment and the total interest you pay.

Where Lost Springs sits

Lost Springs's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 243 people per square mile. The state's population centre of gravity, Wichita, is roughly 64 miles away. Within 50 miles of Lost Springs there are 60 larger Census places. By land area it ranks 511th 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 Lost Springs 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 Lost Springs is the same as anywhere in Kansas.
What loan size can I expect in Lost Springs?
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 Lost Springs?
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 Lost Springs 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.

Nearby places

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