Macksville at a glance
- Population: 453 (US Census Bureau, Vintage 2023 subcounty estimate), the 281st-largest of 625 places in Kansas.
- 2020 Census base: the 2020 Census recorded 469 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.4% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 281st out of 625 Census places (US Census Bureau).
- Size percentile: larger than about 55% of the Census places in Kansas (US Census Bureau).
- Coordinates: 37.9572, -98.9689 (US Census Bureau Gazetteer).
- Nearest larger cities: St. John, KS (12 mi); Larned, KS (17 mi); Stafford, KS (20 mi); Pratt, KS (21 mi); Kinsley, KS (24 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Belpre, KS (7 mi); Byers, KS (13 mi); Radium, KS (16 mi) (US Census Bureau estimates).
What a personal loan costs in Macksville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Macksville
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Macksville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Macksville
Run through this list before signing anything in Macksville:
- 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.