Liberty at a glance
- Population: roughly 95 people; 506th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 98 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.1% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 506th largest of 625 (US Census Bureau).
- Size percentile: about 19% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 37.1564 latitude, -95.5977 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cherryvale, KS (8 mi); Independence, KS (8 mi); Dearing, KS (9 mi); Coffeyville, KS (9 mi); Mound Valley, KS (11 mi) (US Census Bureau populations).
- Nearest smaller communities: Havana, KS (19 mi); Bartlett, KS (22 mi); Labette, KS (23 mi) (Census populations).
What a personal loan costs in Liberty
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Liberty
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 Liberty
Here is a short checklist for comparing personal loans in Liberty:
- 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.