Haviland at a glance
- Population: roughly 661 people; 247th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 683 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 247th of the state's 625 Census places (US Census Bureau).
- Size percentile: ahead of around 60% of Kansas places in population terms (US Census Bureau).
- Coordinates: 37.6174, -99.1058 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Greensburg, KS (10 mi); Pratt, KS (19 mi); Kinsley, KS (27 mi); Coldwater, KS (27 mi); Bucklin, KS (29 mi) (US Census Bureau populations).
- Nearest smaller towns: Cullison, KS (11 mi); Coats, KS (17 mi); Byers, KS (18 mi) (US Census Bureau).
What a personal loan costs in Haviland
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.
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.
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 Haviland
The Kansas rate caps and licensing rules that reach Haviland are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Haviland
Before you commit to a personal loan in Haviland, 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.