Courtland at a glance
- Population: the Census estimates 291 residents, ranking 349th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 294 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 1.0% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 349th by size among 625 communities (US Census Bureau).
- Size percentile: about 44% of places in Kansas are smaller (US Census Bureau).
- Coordinates: latitude 39.7832, longitude -97.8962 (US Census Bureau Gazetteer).
- Nearest larger cities: Scandia, KS (6 mi); Belleville, KS (14 mi); Jewell, KS (16 mi); Mankato, KS (17 mi); Superior, NE (19 mi); US Census Bureau population estimates.
- Nearest smaller towns: Formoso, KS (5 mi); Republic, KS (10 mi); Randall, KS (13 mi) (US Census Bureau).
What a personal loan costs in Courtland
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Courtland
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Courtland.
| 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 Courtland
These steps are the ones that most affect the offer you receive in Courtland:
- 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.