Neosho Falls at a glance
- Population: the Census estimates 136 residents, ranking 458th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 134 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 1.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: the 458th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 27% of the Census places in Kansas (US Census Bureau).
- Coordinates: 38.0060, -95.5553 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: LeRoy, KS (7 mi); Iola, KS (10 mi); Colony, KS (11 mi); Gas, KS (13 mi); Yates Center, KS (14 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Bassett, KS (11 mi); Westphalia, KS (13 mi); Lone Elm, KS (18 mi) — US Census Bureau populations.
What a personal loan costs in Neosho Falls
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Neosho Falls
The table lists the Kansas rules that apply to a loan made in Neosho Falls, each with the regulator that published it.
| 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 Neosho Falls
The order below is a sensible way to approach a loan in Neosho Falls:
- 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.