Maize at a glance
- Population: about 6,802, 51st by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,735 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 18.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 51st of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 92% of Kansas places in population terms (US Census Bureau).
- Coordinates: 37.7749, -97.4591 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Valley Center, KS (6 mi); Park City, KS (8 mi); Wichita, KS (8 mi); Bel Aire, KS (12 mi); Haysville, KS (16 mi) (US Census Bureau).
- Nearest smaller towns: Colwich, KS (4 mi); Bentley, KS (8 mi); Andale, KS (9 mi) — US Census Bureau populations.
What a personal loan costs in Maize
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Maize
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Maize.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Maize
The steps below are worth completing first when you borrow in Maize:
- 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.