Ingalls at a glance
- Population: 252 (US Census Bureau, Vintage 2023 subcounty estimate), the 366th-largest of 625 places in Kansas.
- 2020 Census base: 252 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 366th out of 625 Census places (US Census Bureau).
- Size percentile: about 41% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 37.8286, -100.4533 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Cimarron, KS (6 mi); Montezuma, KS (16 mi); Garden City, KS (24 mi); Dodge City, KS (24 mi); Holcomb, KS (31 mi); US Census Bureau population estimates.
- Nearest smaller places: Ensign, KS (17 mi); Copeland, KS (22 mi); Ford, KS (40 mi) (US Census Bureau estimates).
What a personal loan costs in Ingalls
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Ingalls
The Kansas rate caps and licensing rules that reach Ingalls 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 Ingalls
Here is a short checklist for comparing personal loans in Ingalls:
- 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.