Personal loans in Lyons, KS

A lender serving Lyons holds a Kansas licence and answers to a Kansas regulator; no city office is involved for its 3,498 residents.

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.

Every figure below is Kansas's own, applied to Lyons's 3,498 residents, with the publisher and retrieval date attached. About 3,498 people live in Lyons, placing it 80th of 625 Census places in Kansas. Read the disclosure for an origination fee and any prepayment penalty before signing in Lyons. From the 2020 Census base to the 2023 estimate, the population declined by about 3.1%. The closest larger place is Hutchinson, KS about 25 miles away.

Where Lyons stands

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

The Lyons borrowing checklist

Complete these steps first when you borrow in Lyons (3,498 residents):

  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. Verify the lender's Kansas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Lyons as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 3,498 residents.

What shapes a Lyons personal loan

Most loans made to Lyons's 3,498 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lyons. Because the payment is fixed, the total cost of a Lyons loan is knowable in advance — unlike a revolving card balance.

How lenders reach Lyons

Lyons is a moderately settled community of about 3,498 people, with 6 larger places inside a 50-mile radius. Distance to a branch rarely matters for Lyons's 3,498 residents: the application is online and the price follows your credit file. The nearest larger city, Hutchinson, KS about 25 miles away.

Lyons's place among Kansas's 625 places

Against Kansas's other places, Lyons accounts for about 0.1% of the state's population and ranks 80th of 625 by size. On the 2020-to-2023 trend, Lyons stands 528th among Kansas's 625 places — roughly the 16th percentile. By density, at about 1,318 people per square mile, it ranks 127th in Kansas. By land area, its 2.7 square miles rank 92nd of 625 places in Kansas.

Which Kansas laws govern a loan in Lyons

The rows below set out what a licensed lender must follow in Kansas, and so for Lyons's roughly 3,498 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
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 Lyons 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 Lyons is the same as anywhere in Kansas.
What loan size can I expect in Lyons?
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 Lyons?
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 Lyons 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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