Quinter at a glance
- Population: the Census estimates 948 residents, ranking 200th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 931 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 1.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 200th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 68% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: latitude 39.0666, longitude -100.2347 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): WaKeeney, KS (19 mi); Hoxie, KS (23 mi); Hill City, KS (30 mi); Oakley, KS (33 mi); Ellis, KS (38 mi) (US Census Bureau).
- Smaller places nearby: Collyer, KS (7 mi); Park, KS (7 mi); Grainfield, KS (13 mi), per US Census Bureau estimates.
What a personal loan costs in Quinter
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Quinter
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Quinter.
| 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 Quinter
The steps below are worth completing first when you borrow in Quinter:
- 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.