Manchester at a glance
- Population: about 49, 575th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 48 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 575th out of 625 Census places (US Census Bureau).
- Size percentile: roughly 8% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 39.0933, -97.3202 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Longford, KS (5 mi); Solomon, KS (12 mi); Abilene, KS (13 mi); Bennington, KS (15 mi); Enterprise, KS (17 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Oak Hill, KS (11 mi); Carlton, KS (28 mi); Vining, KS (33 mi) — US Census Bureau populations.
What a personal loan costs in Manchester
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Manchester
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Manchester
A few practical steps will make the process in Manchester 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.