McCracken at a glance
- Population: about 144, 450th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 151 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 4.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: the 450th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 28% of Kansas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.5821, -99.5684.
- Nearest larger cities (120-mile radius): Bazine, KS (12 mi); La Crosse, KS (14 mi); Schoenchen, KS (16 mi); Ransom, KS (20 mi); Ness City, KS (20 mi) (US Census Bureau).
- Nearest smaller communities: Alexander, KS (8 mi); Brownell, KS (10 mi); Liebenthal, KS (14 mi), each a US Census place.
What a personal loan costs in McCracken
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.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kansas lending rules that apply in McCracken
The table lists the Kansas rules that apply to a loan made in McCracken, each with the regulator that published it.
| 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 McCracken
Here is a short checklist for comparing personal loans in McCracken:
- 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.