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Personal loans in Lucas, KS

Lucas gained roughly 1.8% in population across the 2020-to-2023 comparison. Lucas is home to roughly 338 people and stands 337th by size out of 625 Census places in Kansas. In Lucas, one of 625 Census places in Kansas, the figure to compare across lenders is the APR, not the advertised rate. Judge Lucas offers on total cost, not on how quickly the money arrives. Every figure below is Kansas's own, applied to Lucas's 338 residents, with the publisher and retrieval date attached. The closest larger city is Wilson, KS about 16 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.

Local context for Lucas

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

How Kansas law applies in Lucas

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Lucas lender must follow.

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

Borrowing reach in Lucas

Lucas is moderately settled, with about 556 people per square mile and 23 larger places within 50 miles. A Kansas licence lets a lender serve Lucas without a local office, so branch density does not change what its 338 residents are offered. The nearest bigger place is Wilson, KS about 16 miles away.

Where Lucas sits

Inside Lucas's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 556 people per square mile. The state's population centre of gravity, Wichita, is roughly 114 miles away. Lucas has 23 larger places within a 50-mile radius. By land area it ranks 281st of 625 Kansas places.

What shapes a Lucas personal loan

Lucas is a small community of about 338 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lucas. A longer term lowers the monthly payment on a Lucas loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Lucas sits in Kansas

Set beside Kansas's 625 places, Lucas ranks 337th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Lucas stands 47th among Kansas's 625 places — roughly the 92th percentile. Its roughly 556 residents per square mile place it 410th among Kansas's places. By land area, its 0.6 square miles rank 281st of 625 places in Kansas.

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