Alden at a glance
- Population: 120 people, the 472nd-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 123 (US Census Bureau).
- 2020 to 2023 change: down roughly 2.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 472nd in population of 625 places (US Census Bureau).
- Size percentile: roughly 24% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 38.2438 latitude, -98.3117 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Sterling, KS (6 mi); Chase, KS (8 mi); Lyons, KS (9 mi); Nickerson, KS (14 mi); Ellinwood, KS (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Raymond, KS (6 mi); Frederick, KS (19 mi); Plevna, KS (19 mi), each a US Census place.
What a personal loan costs in Alden
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Alden
The table lists the Kansas rules that apply to a loan made in Alden, each with the regulator that published it.
| 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 Alden
Before you commit to a personal loan in Alden, 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.