Ellinwood at a glance
- Population: a Census-estimated 1,960, placing it 120th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,016 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 2.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 120th largest of 625 (US Census Bureau).
- Size percentile: about 81% of places in Kansas are smaller (US Census Bureau).
- Coordinates: it sits at 38.3573, -98.5838 in the US Census Bureau Gazetteer.
- Nearest larger cities: Great Bend, KS (12 mi); Hoisington, KS (15 mi); Lyons, KS (21 mi); Sterling, KS (23 mi); Larned, KS (31 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Raymond, KS (11 mi); Claflin, KS (12 mi); Chase, KS (13 mi), per US Census Bureau estimates.
What a personal loan costs in Ellinwood
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Ellinwood
Read the table as the compliance picture for a lender serving Ellinwood: 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 Ellinwood
Before you share your details with a lender in Ellinwood:
- 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.