Collyer at a glance
- Population: 93 people, the 507th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 95 (US Census Bureau).
- 2020 to 2023 change: population fell about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 507th in population of 625 places (US Census Bureau).
- Size percentile: roughly 19% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 39.0373 latitude, -100.1183 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Quinter, KS (7 mi); WaKeeney, KS (13 mi); Park, KS (14 mi); Grainfield, KS (20 mi); Morland, KS (22 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Gove City, KS (21 mi); Brownell, KS (34 mi); Zurich, KS (39 mi) — US Census Bureau populations.
What a personal loan costs in Collyer
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Collyer
Read the table as the compliance picture for a lender serving Collyer: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Collyer
A few practical steps will make the process in Collyer 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.