Burlington at a glance
- Population: 2,593 people, the 98th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,636 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 98th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 84% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 38.1933, -95.7454 in the US Census Bureau Gazetteer.
- Nearest larger cities: Iola, KS (26 mi); Garnett, KS (28 mi); Emporia, KS (28 mi); Osage City, KS (31 mi); Ottawa, KS (38 mi); US Census Bureau population estimates.
- Nearest smaller places: New Strawn, KS (5 mi); LeRoy, KS (10 mi); Gridley, KS (10 mi) (US Census Bureau estimates).
What a personal loan costs in Burlington
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Burlington
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Burlington.
| 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 Burlington
Run through this list before signing anything in Burlington:
- 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.