Personal loans in Westphalia, KS

Personal loans in Westphalia are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 130 population. Lenders active in Westphalia report to a Kansas supervisor, identified in the sourced rows below. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Westphalia loan. For a bigger market, look to LeRoy, KS about 10 miles away.

What the Census records for Westphalia

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

• Population: about 130, ranked 465th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 0.8%.
• Net change: roughly 1 more people than the 2020 Census counted.
• Size percentile: about 26% of Kansas's Census places are smaller than Westphalia.
• Density: the Census land area of 0.2 sq mi holds about 657 people per square mile.
• By land area: Westphalia ranks 527th among Kansas's 625 places, at 0.2 sq mi.
• Share of Kansas: Westphalia holds about 0.0% of the state's population, some 130 people.
• National rank: Westphalia is the 17,607th most populous of the 19,457 Census places covered here.
• Growth rank: Westphalia's 2020-to-2023 change ranks 82nd of 625 places in Kansas.
• Versus Kansas: the state average change is -1.0%, while Westphalia moved 0.8%.
• Density rank: Westphalia places 363rd among Kansas's places by people per square mile.
• Density in context: Westphalia's 657 people per square mile sit against a Kansas median of 764.
• Location: it lies at 38.1822, -95.4904 in the Census Gazetteer.
• Nearest larger cities: LeRoy (10 mi); Colony (10 mi); Neosho Falls (13 mi); Burlington (14 mi); New Strawn (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Lone Elm (15 mi); Kincaid (19 mi); Bassett (20 mi).
• Smaller neighbours: 16 places smaller than Westphalia sit within 50 miles.
• Larger places within 100 miles: 333.

Inside a Westphalia personal loan

With roughly 130 residents, Westphalia is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Westphalia lender to disclose the APR and finance charge before you sign. Shortening the term on a Westphalia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Westphalia

Westphalia is a moderately settled community of about 130 people, with 72 larger places inside a 50-mile radius. Distance to a branch rarely matters for Westphalia's 130 residents: the application is online and the price follows your credit file. For a larger market, the closest option is LeRoy, KS about 10 miles away.

How Kansas law applies in Westphalia

This table holds the Kansas rate and licensing rules for consumer loans made to Westphalia's 130 residents.

What to do before borrowing in Westphalia

Complete these steps first when you borrow in Westphalia (130 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Kansas licence with the regulator listed on this page.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Westphalia and the rest of Kansas is not the process but the borrower's own file, among the 130 people here.

How Westphalia compares across Kansas

Set beside Kansas's 625 places, Westphalia ranks 465th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 82nd of 625 Kansas places, putting it near the 87th percentile for growth. By density, at about 657 people per square mile, it ranks 363rd in Kansas. In land area, Westphalia ranks 527th among Kansas's 625 places.