Personal loans in Virgil, KS

Virgil is one of 625 Census places in Kansas; its 48 residents put it at 578th. For a community of about 48, the practical step is to compare APR across at least three lenders before committing. Lenders active in Virgil report to a Kansas supervisor, identified in the sourced rows below. The next larger city is Hamilton, KS about 8 miles away.

The Virgil data picture

What follows is Virgil's place in the Census record, alongside the Kansas rules that govern a personal loan made here.

• Population: about 48, ranked 578th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 2.0% since the 2020 count.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: Virgil sits ahead of around 8% of Kansas places, at 48 people.
• Land and density: 0.6 square miles of land carry roughly 86 residents per square mile.
• Land area rank: Virgil's 0.6 square miles rank 298th of 625 places in Kansas.
• Share of Kansas: Virgil holds about 0.0% of the state's population, some 48 people.
• National rank: Virgil is 19,006th of 19,457 places nationwide.
• Growth rank: Virgil's 2020-to-2023 change ranks 421st of 625 places in Kansas.
• State comparison: Kansas's places average -1.0% for 2020-to-2023, against Virgil's 2.0%.
• Density rank: Virgil is the 615th most densely settled place in Kansas.
• Density in context: Virgil's 86 people per square mile sit against a Kansas median of 764.
• Location: the Census Gazetteer records it at 37.9805, -96.0112.
• Nearest larger cities: Hamilton (8 mi); Gridley (11 mi); Madison (13 mi); Toronto (13 mi); Yates Center (16 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Climax (21 mi); Bassett (33 mi); Lone Elm (42 mi), each with its own Census population profile.
• Within a 50-mile radius: 7 smaller Census places.
• Within 100 miles: 326 places are larger than Virgil.

How Virgil compares across Kansas

Against Kansas's other places, Virgil accounts for about 0.0% of the state's population and ranks 578th of 625 by size. On the 2020-to-2023 trend, Virgil stands 421st among Kansas's 625 places — roughly the 33th percentile. At about 86 people per square mile, Virgil is the 615th most densely settled place in Kansas. The population moved by about 1 people between 2020 and 2023, a 2.0% shift.

Lender access in Virgil

Virgil is a sparsely settled community of about 48 people, with 62 larger places inside a 50-mile radius. Distance to a branch rarely matters for Virgil's 48 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Hamilton, KS about 8 miles away.

The Kansas lending rules that reach Virgil

This table holds the Kansas rate and licensing rules for consumer loans made to Virgil's 48 residents.

The geography behind Virgil

Inside Virgil's boundaries lie about 0.6 square miles of land, with no significant water area recorded. The resulting density is about 86 people per square mile. The state's population centre of gravity, Wichita, is roughly 76 miles away. Virgil has 62 larger places within a 50-mile radius. The 100-mile radius contains 326 larger places.

The Virgil borrowing checklist

Before you apply in Virgil, a community of about 48, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Kansas regulator's licence records before you sign.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

In Virgil as elsewhere in Kansas, the written terms — not the advertisement — are what count for its 48 residents.