Fowler at a glance
- Population: the Census estimates 514 residents, ranking 269th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 537 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 4.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 269th by size among 625 communities (US Census Bureau).
- Size percentile: it is larger than about 57% of the places in Kansas (US Census Bureau).
- Coordinates: 37.3833, -100.1958 (US Census Bureau Gazetteer).
- Nearest larger cities: Meade, KS (11 mi); Minneola, KS (11 mi); Montezuma, KS (20 mi); Plains, KS (23 mi); Ashland, KS (27 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Ensign, KS (19 mi); Copeland, KS (26 mi); Englewood, KS (26 mi) — US Census Bureau populations.
What a personal loan costs in Fowler
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Fowler
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Fowler.
| 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 Fowler
Before you commit to a personal loan in Fowler, work through these steps:
- 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.