Dighton at a glance
- Population: 938 (US Census Bureau, Vintage 2023 subcounty estimate), the 202nd-largest of 625 places in Kansas.
- 2020 Census base: 966 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 2.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: the 202nd-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 68% of Kansas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.4810, -100.4664.
- Nearest larger cities: Scott City, KS (24 mi); Ness City, KS (30 mi); Garden City, KS (41 mi); Quinter, KS (42 mi); Holcomb, KS (45 mi); US Census Bureau population estimates.
- Smaller towns nearby: Utica, KS (20 mi); Ransom, KS (31 mi); Gove City, KS (33 mi) (US Census Bureau).
What a personal loan costs in Dighton
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Kansas lending rules that apply in Dighton
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Dighton.
| 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 Dighton
These steps are the ones that most affect the offer you receive in Dighton:
- 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.