Montezuma at a glance
- Population: a Census-estimated 976, placing it 196th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 972 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 196th of the state's 625 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 69% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 37.5924 / -100.4501, per the US Census Bureau Gazetteer.
- Nearest larger cities: Cimarron, KS (16 mi); Meade, KS (22 mi); Sublette, KS (23 mi); Plains, KS (24 mi); Dodge City, KS (26 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Copeland, KS (10 mi); Ensign, KS (13 mi); Ingalls, KS (16 mi) (US Census Bureau).
What a personal loan costs in Montezuma
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Montezuma
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Montezuma
Before you commit to a personal loan in Montezuma, work through these steps:
- 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.