Blue Mound at a glance
- Population: 222 residents, the 382nd-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 223 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 382nd largest of 625 (US Census Bureau).
- Size percentile: ahead of around 39% of Kansas places in population terms (US Census Bureau).
- Coordinates: mapped at 38.0894, -95.0099 by the US Census Bureau Gazetteer.
- Nearest larger cities: Mound City, KS (11 mi); Bronson, KS (14 mi); Moran, KS (15 mi); Parker, KS (17 mi); Uniontown, KS (17 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Kincaid, KS (8 mi); Mapleton, KS (9 mi); Lone Elm, KS (13 mi), each a US Census place.
What a personal loan costs in Blue Mound
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Blue Mound
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Blue Mound
Run through this list before signing anything in Blue Mound:
- 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.