Phillipsburg at a glance
- Population: about 2,244, 105th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,344 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 4.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 105th largest of 625 (US Census Bureau).
- Size percentile: about 83% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 39.7512 latitude, -99.3210 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Norton, KS (31 mi); Holdrege, NE (48 mi); Minden, NE (55 mi); Hays, KS (60 mi); Russell, KS (65 mi), each a US Census place with its estimated population.
- Nearest smaller places: Glade, KS (5 mi); Speed, KS (7 mi); Agra, KS (11 mi) (US Census Bureau estimates).
What a personal loan costs in Phillipsburg
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Phillipsburg
Read the table as the compliance picture for a lender serving Phillipsburg: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Phillipsburg
Before you share your details with a lender in Phillipsburg:
- 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.