Palmer at a glance
- Population: the Census estimates 124 residents, ranking 470th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 124 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: the 470th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 25% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 39.6329, -97.1404 in the US Census Bureau Gazetteer.
- Nearest larger cities: Linn, KS (4 mi); Clifton, KS (9 mi); Greenleaf, KS (11 mi); Morganville, KS (12 mi); Washington, KS (14 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Vining, KS (9 mi); Morrowville, KS (15 mi); Green, KS (16 mi) (Census populations).
What a personal loan costs in Palmer
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Palmer
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Palmer.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Palmer
Here is a short checklist for comparing personal loans in Palmer:
- 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.