Cedar Point at a glance
- Population: roughly 21 people; 618th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 21 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 618th by size among 625 communities (US Census Bureau).
- Size percentile: larger than about 1% of the Census places in Kansas (US Census Bureau).
- Coordinates: 38.2600, -96.8237 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Florence, KS (6 mi); Marion, KS (12 mi); Burns, KS (12 mi); Elmdale, KS (12 mi); Matfield Green, KS (16 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Frederick, KS (80 mi); Penalosa, KS (90 mi); Foraker, OK (97 mi) — US Census Bureau populations.
What a personal loan costs in Cedar Point
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Cedar Point
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Cedar Point.
| 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 Cedar Point
Here is a short checklist for comparing personal loans in Cedar Point:
- 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.