Clyde at a glance
- Population: 681 (US Census Bureau, Vintage 2023 subcounty estimate), the 240th-largest of 625 places in Kansas.
- 2020 Census base: the 2020 count put the population at 695 (US Census Bureau).
- 2020 to 2023 change: roughly 2.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 240th largest of 625 (US Census Bureau).
- Size percentile: it exceeds roughly 62% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 39.5918 latitude, -97.4002 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Concordia, KS (13 mi); Belleville, KS (20 mi); Clay Center, KS (21 mi); Washington, KS (24 mi); Wakefield, KS (33 mi); US Census Bureau population estimates.
- Smaller towns nearby: Vining, KS (6 mi); Clifton, KS (7 mi); Agenda, KS (8 mi) (US Census Bureau).
What a personal loan costs in Clyde
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.
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.
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 Clyde
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clyde
Before you commit to a personal loan in Clyde, work through these steps:
- 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.