Hill City at a glance
- Population: 1,385 (US Census Bureau, Vintage 2023 subcounty estimate), the 150th-largest of 625 places in Kansas.
- 2020 Census base: 1,407 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 1.6% since the 2020 count (US Census Bureau).
- Rank among Kansas places: the 150th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 76% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 39.3687, -99.8405 (US Census Bureau Gazetteer).
- Nearest larger cities: WaKeeney, KS (24 mi); Plainville, KS (30 mi); Stockton, KS (30 mi); Norton, KS (32 mi); Ellis, KS (34 mi); US Census Bureau population estimates.
- Nearest smaller communities: Bogue, KS (8 mi); Morland, KS (13 mi); Damar, KS (14 mi) (Census populations).
What a personal loan costs in Hill City
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Hill City
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Hill City
These steps are the ones that most affect the offer you receive in Hill City:
- 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.