Nortonville at a glance
- Population: 591 people, the 260th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 602 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 1.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 260th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 58% of the places in Kansas (US Census Bureau).
- Coordinates: latitude 39.4154, longitude -95.3300 (US Census Bureau Gazetteer).
- Nearest larger cities: Valley Falls, KS (9 mi); Oskaloosa, KS (14 mi); Ozawkie, KS (14 mi); Atchison, KS (14 mi); McLouth, KS (16 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Winchester, KS (7 mi); Effingham, KS (8 mi); Lancaster, KS (11 mi), each a US Census place.
What a personal loan costs in Nortonville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Kansas lending rules that apply in Nortonville
Read the table as the compliance picture for a lender serving Nortonville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Nortonville
Run through this list before signing anything in Nortonville:
- 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.