Alta Vista at a glance
- Population: a Census-estimated 412, placing it 301st among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 411 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 0.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 301st in population of 625 places (US Census Bureau).
- Size percentile: about 52% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 38.8629, -96.4888 (US Census Bureau Gazetteer).
- Nearest larger cities: Council Grove, KS (14 mi); White City, KS (14 mi); Alma, KS (15 mi); Grandview Plaza, KS (20 mi); Ogden, KS (21 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Dwight, KS (6 mi); Parkerville, KS (12 mi); Wilsey, KS (19 mi) — US Census Bureau populations.
What a personal loan costs in Alta Vista
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in Alta Vista
Read the table as the compliance picture for a lender serving Alta Vista: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Alta Vista
The steps below are worth completing first when you borrow in Alta Vista:
- 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.