Pawnee Rock at a glance
- Population: a Census-estimated 189, placing it 407th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 194 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 2.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 407th of the state's 625 Census places (US Census Bureau).
- Size percentile: larger than about 35% of the Census places in Kansas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.2649, -98.9824.
- Nearest larger cities: Larned, KS (9 mi); Great Bend, KS (12 mi); Otis, KS (19 mi); Hoisington, KS (21 mi); Macksville, KS (21 mi); US Census Bureau population estimates.
- Smaller places nearby: Radium, KS (8 mi); Seward, KS (12 mi); Albert, KS (13 mi), per US Census Bureau estimates.
What a personal loan costs in Pawnee Rock
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in Pawnee Rock
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pawnee Rock
These steps are the ones that most affect the offer you receive in Pawnee Rock:
- 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.