Climax at a glance
- Population: the Census estimates 43 residents, ranking 584th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 44 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 2.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 584th of the state's 625 Census places (US Census Bureau).
- Size percentile: larger than about 7% of the Census places in Kansas (US Census Bureau).
- Coordinates: latitude 37.7192, longitude -96.2240 (US Census Bureau Gazetteer).
- Nearest larger cities: Severy, KS (7 mi); Eureka, KS (8 mi); Fall River, KS (13 mi); Toronto, KS (16 mi); Howard, KS (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Bassett, KS (47 mi); Cedar Point, KS (50 mi); Elmdale, KS (51 mi) (US Census Bureau).
What a personal loan costs in Climax
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Climax
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Climax
Here is a short checklist for comparing personal loans in Climax:
- 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.