Kensington at a glance
- Population: 404 — 306th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 402 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 306th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 51% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 39.7667 latitude, -99.0328 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Smith Center, KS (13 mi); Phillipsburg, KS (15 mi); Franklin, NE (23 mi); Stockton, KS (27 mi); Osborne, KS (29 mi), each a US Census place with its estimated population.
- Smaller places nearby: Agra, KS (5 mi); Athol, KS (6 mi); Kirwin, KS (8 mi), per US Census Bureau estimates.
What a personal loan costs in Kensington
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kansas lending rules that apply in Kensington
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Kensington
Run through this list before signing anything in Kensington:
- 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.