Burdett at a glance
- Population: 220 residents, the 383rd-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 226 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 2.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 383rd-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 39% of the Census places in Kansas (US Census Bureau).
- Coordinates: 38.1935 latitude, -99.5265 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hanston, KS (11 mi); Bazine, KS (20 mi); Kinsley, KS (20 mi); Lewis, KS (23 mi); Larned, KS (23 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Rozel, KS (7 mi); Garfield, KS (17 mi); Alexander, KS (19 mi) (US Census Bureau).
What a personal loan costs in Burdett
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Burdett
The Kansas rate caps and licensing rules that reach Burdett are listed below, each with its source and retrieval 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 Burdett
A few practical steps will make the process in Burdett less costly:
- 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.