Longford at a glance
- Population: the Census estimates 71 residents, ranking 546th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 73 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 546th in population of 625 places (US Census Bureau).
- Size percentile: it exceeds roughly 13% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 39.1721, -97.3291 (US Census Bureau Gazetteer).
- Nearest larger cities: Miltonvale, KS (14 mi); Wakefield, KS (17 mi); Bennington, KS (17 mi); Solomon, KS (17 mi); Abilene, KS (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Oak Hill, KS (5 mi); Manchester, KS (5 mi); Aurora, KS (22 mi) (US Census Bureau).
What a personal loan costs in Longford
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Longford
The Kansas rate caps and licensing rules that reach Longford are listed below, each with its source and retrieval date.
| 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 Longford
A few practical steps will make the process in Longford less costly:
- 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.