Dodge City at a glance
- Population: about 27,514 residents, ranking 14th of 625 Census places in Kansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 27,793 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 14th largest of 625 (US Census Bureau).
- Size percentile: about 98% of places in Kansas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.7607, -100.0179.
- Nearest larger cities: Hutchinson, KS (117 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Ensign, KS (14 mi); Spearville, KS (16 mi); Ford, KS (17 mi) (Census populations).
What a personal loan costs in Dodge City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Dodge City
The table lists the Kansas rules that apply to a loan made in Dodge City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dodge City
The order below is a sensible way to approach a loan in Dodge City:
- 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.