Miltonvale at a glance
- Population: roughly 439 people; 289th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 448 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 289th largest of 625 (US Census Bureau).
- Size percentile: about 54% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 39.3496 latitude, -97.4523 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Clyde, KS (17 mi); Clay Center, KS (17 mi); Clifton, KS (18 mi); Concordia, KS (18 mi); Minneapolis, KS (20 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Aurora, KS (8 mi); Oak Hill, KS (9 mi); Longford, KS (14 mi) (US Census Bureau).
What a personal loan costs in Miltonvale
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Miltonvale
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Miltonvale
These steps are the ones that most affect the offer you receive in Miltonvale:
- 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.