Huron at a glance
- Population: 72, the 545th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 74 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.7% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 545th in population of 625 places (US Census Bureau).
- Size percentile: ahead of around 13% of Kansas places in population terms (US Census Bureau).
- Coordinates: it sits at 39.6382, -95.3512 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Everest, KS (5 mi); Lancaster, KS (5 mi); Denton, KS (8 mi); Effingham, KS (8 mi); Horton, KS (10 mi) (US Census Bureau populations).
- Smaller towns nearby: Willis, KS (10 mi); Leona, KS (10 mi); Powhattan, KS (17 mi) (US Census Bureau).
What a personal loan costs in Huron
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Huron
The Kansas rate caps and licensing rules that reach Huron are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Huron
Before you share your details with a lender in Huron:
- 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.