Personal loans in Wakefield, KS

What the Census records for Wakefield

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

• Population: 843 — Wakefield ranks 216th of 625 communities in Kansas (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.0% from 2020 to 2023.
• People gained or lost: about 17 fewer since the 2020 base.
• Size percentile: Wakefield sits ahead of around 65% of Kansas places, at 843 people.
• Population density: about 1,696 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Wakefield ranks 319th among Kansas's 625 places, at 0.5 sq mi.
• Share of state population: Wakefield's 843 residents are about 0.0% of Kansas.
• National rank: Wakefield is 10,961st of 19,457 places nationwide.
• Growth rank: Wakefield's 2020-to-2023 change ranks 405th of 625 places in Kansas.
• Against the state trend: Wakefield's 2.0% change compares with a Kansas average of -1.0% across its 625 places.
• Density in Kansas: Wakefield ranks 61st by people per square mile.
• Density in context: Wakefield's 1,696 people per square mile sit against a Kansas median of 764.
• Location: the Census Gazetteer records it at 39.2164, -97.0188.
• Nearest larger cities: Riley (12 mi); Clay Center (13 mi); Junction City (16 mi); Chapman (17 mi); Grandview Plaza (18 mi). Living near a larger metro rarely changes what is available in Wakefield.
• Smaller communities close by: Milford (7 mi); Leonardville (13 mi); Green (15 mi), each with its own Census population profile.
• Within a 50-mile radius: 56 smaller Census places.
• At 100 miles: 85 larger Census places fall inside that radius.

Wakefield on the map

Wakefield's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,696 people per square mile. The state's population centre of gravity, Wichita, is roughly 107 miles away. A 50-mile radius around Wakefield takes in 19 places that are larger. The 100-mile radius contains 85 larger places.

What is available to Wakefield borrowers

At roughly 1,696 people per square mile, Wakefield is moderately settled; 19 larger places lie within 50 miles. A Kansas licence lets a lender serve Wakefield without a local office, so branch density does not change what its 843 residents are offered. The nearest bigger place is Riley, KS about 12 miles away.

A pre-application checklist for Wakefield

Before you hand your details to a lender in Wakefield, where the population is near 843:

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. Verify the lender's Kansas licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Wakefield-specific: the same Kansas licensing and disclosure rules reach all 843 residents.

How a Wakefield personal loan is priced

Wakefield is a small community of about 843 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Wakefield's 843 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Wakefield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Wakefield

The rows below set out what a licensed lender must follow in Kansas, and so for Wakefield's roughly 843 residents.