Abilene at a glance
- Population: 6,443, the 56th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,464 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 56th out of 625 Census places (US Census Bureau).
- Size percentile: about 91% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 38.9245, -97.2280 by the US Census Bureau Gazetteer.
- Nearest larger cities: Junction City, KS (21 mi); Salina, KS (22 mi); Manhattan, KS (38 mi); McPherson, KS (45 mi); Newton, KS (62 mi); US Census Bureau population estimates.
- Nearest smaller communities: Enterprise, KS (6 mi); Solomon, KS (8 mi); Chapman, KS (12 mi) (Census populations).
What a personal loan costs in Abilene
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Abilene
Read the table as the compliance picture for a lender serving Abilene: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Supervised 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 |
| State lending regulator | Kansas 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 caps | 36% 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 |
| Payday lending status | Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
How to compare offers in Abilene
Before you commit to a personal loan in Abilene, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kansas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.