Mulberry at a glance
- Population: 410 (US Census Bureau, Vintage 2023 subcounty estimate), the 303rd-largest of 625 places in Kansas.
- 2020 Census base: 410 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 303rd of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 52% of the places in Kansas (US Census Bureau).
- Coordinates: 37.5561, -94.6234 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Arma, KS (4 mi); Liberal, MO (6 mi); Frontenac, KS (8 mi); Pittsburg, KS (11 mi); Girard, KS (13 mi) (US Census Bureau).
- Nearest smaller towns: Arcadia, KS (6 mi); Mindenmines, MO (6 mi); Bronaugh, MO (13 mi) (US Census Bureau).
What a personal loan costs in Mulberry
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Mulberry
The Kansas rate caps and licensing rules that reach Mulberry are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mulberry
These steps are the ones that most affect the offer you receive in Mulberry:
- 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.