Langdon at a glance
- Population: 40 people, the 591st-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 40 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 591st out of 625 Census places (US Census Bureau).
- Size percentile: it is larger than about 5% of the places in Kansas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.8532, -98.3242.
- Nearest larger cities (120-mile radius): Turon, KS (6 mi); Plevna, KS (8 mi); Arlington, KS (9 mi); Sylvia, KS (9 mi); Abbyville, KS (10 mi) (US Census Bureau).
- Smaller places nearby: Penalosa, KS (10 mi); Byers, KS (30 mi); Radium, KS (38 mi), per US Census Bureau estimates.
What a personal loan costs in Langdon
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Langdon
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Langdon.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Langdon
Here is a short checklist for comparing personal loans in Langdon:
- 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.