Elsmore at a glance
- Population: 52 people, the 569th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 53 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.9% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 569th largest of 625 (US Census Bureau).
- Size percentile: ahead of around 9% of Kansas places in population terms (US Census Bureau).
- Coordinates: 37.7942, -95.1499 (US Census Bureau Gazetteer).
- Nearest larger cities: Savonburg, KS (3 mi); Stark, KS (7 mi); Bronson, KS (8 mi); Moran, KS (9 mi); Uniontown, KS (10 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Bassett, KS (16 mi); Lone Elm, KS (20 mi); Richards, MO (33 mi) (Census populations).
What a personal loan costs in Elsmore
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Elsmore
Read the table as the compliance picture for a lender serving Elsmore: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Elsmore
Before you share your details with a lender in Elsmore:
- 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.