Corning at a glance
- Population: the Census estimates 211 residents, ranking 389th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 216 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 389th in population of 625 places (US Census Bureau).
- Size percentile: ahead of around 38% of Kansas places in population terms (US Census Bureau).
- Coordinates: 39.6571, -96.0288 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Centralia, KS (7 mi); Wetmore, KS (12 mi); Seneca, KS (13 mi); Onaga, KS (14 mi); Axtell, KS (19 mi) (US Census Bureau populations).
- Nearest smaller communities: Goff, KS (5 mi); Soldier, KS (9 mi); Havensville, KS (10 mi), each a US Census place.
What a personal loan costs in Corning
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Corning
The Kansas rate caps and licensing rules that reach Corning are listed below, each with its source and retrieval date.
| 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 Corning
The steps below are worth completing first when you borrow in Corning:
- 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.