Personal loans in Timken, KS

From the 2020 Census base to the 2023 estimate, the population declined by about 5.3%. Timken, Kansas — home to about 36 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule.

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.

By population, Timken sits at 597th in Kansas, with an estimated 36 residents. The next larger city is Bison, KS about 3 miles away. Which products a lender may offer to Timken's 36 residents follows from the Kansas consumer-lending framework. For a community of about 36, the practical step is to compare APR across at least three lenders before committing.

Local context for Timken

Here is the sourced Census picture for Timken, plus the Kansas lending rules that apply to a loan taken out here.

How lenders reach Timken

Timken is a lightly settled community of about 36 people, with 47 larger places inside a 50-mile radius. What is available to Timken's 36 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Bison, KS about 3 miles away.

What a Timken borrower is actually offered

With roughly 36 residents, Timken is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Timken. A longer term lowers the monthly payment on a Timken loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Timken

Timken covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 36 residents, the land area yields roughly 279 people per square mile. For the state's biggest city, Wichita, the distance is roughly 113 miles. Within 50 miles of Timken there are 47 larger Census places. The 100-mile radius contains 181 larger places.

Timken in state context

Among Kansas's 625 places, Timken sits at 597th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Timken ranks 608th of 625 in Kansas (about the 3th percentile). At about 279 people per square mile, Timken is the 542nd most densely settled place in Kansas. In land area, Timken ranks 594th among Kansas's 625 places.

The state rulebook for Timken

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Timken 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
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 Timken 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 Timken is the same as anywhere in Kansas.
What loan size can I expect in Timken?
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 Timken?
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 Timken 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

Related