Kinsley at a glance
- Population: 1,370 — 153rd in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,456 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 5.9% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 153rd-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 76% of the places in Kansas (US Census Bureau).
- Coordinates: 37.9224, -99.4114 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Larned, KS (25 mi); Dodge City, KS (35 mi); Pratt, KS (38 mi); Great Bend, KS (45 mi); Cimarron, KS (52 mi) (US Census Bureau).
- Nearest smaller towns: Offerle, KS (8 mi); Lewis, KS (9 mi); Garfield, KS (14 mi) (US Census Bureau).
What a personal loan costs in Kinsley
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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 payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Kinsley
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 Kinsley
The order below is a sensible way to approach a loan in Kinsley:
- 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.