Hamlin at a glance
- Population: a Census-estimated 24, placing it 613th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 25 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 4.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 613th by size among 625 communities (US Census Bureau).
- Size percentile: roughly 2% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 39.9155, -95.6275 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Morrill, KS (4 mi); Reserve, KS (5 mi); Hiawatha, KS (6 mi); Fairview, KS (7 mi); Sabetha, KS (9 mi) (US Census Bureau).
- Nearest smaller communities: Willis, KS (15 mi); Fortescue, MO (19 mi); Barada, NE (21 mi), each a US Census place.
What a personal loan costs in Hamlin
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Hamlin
Read the table as the compliance picture for a lender serving Hamlin: 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 Hamlin
Before you share your details with a lender in Hamlin:
- 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.