Randolph at a glance
- Population: 156 people, the 438th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 160 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 438th of the state's 625 Census places (US Census Bureau).
- Size percentile: about 30% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 39.4294 latitude, -96.7594 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Leonardville, KS (7 mi); Olsburg, KS (8 mi); Riley, KS (10 mi); Blue Rapids, KS (18 mi); Waterville, KS (18 mi); US Census Bureau population estimates.
- Smaller places close by: Green, KS (13 mi); Wheaton, KS (24 mi); Palmer, KS (25 mi) (US Census Bureau).
What a personal loan costs in Randolph
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Randolph
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Randolph.
| 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 Randolph
The steps below are worth completing first when you borrow in Randolph:
- 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.