Richfield at a glance
- Population: roughly 27 people; 609th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 28 (US Census Bureau).
- 2020 to 2023 change: about 3.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 609th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 3% of Kansas places in population terms (US Census Bureau).
- Coordinates: 37.2653 latitude, -101.7828 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Rolla, KS (13 mi); Manter, KS (19 mi); Elkhart, KS (19 mi); Johnson City, KS (21 mi); Hugoton, KS (25 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Knowles, OK (92 mi); Grenville, NM (111 mi); Russell Springs, KS (119 mi) — US Census Bureau populations.
What a personal loan costs in Richfield
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kansas lending rules that apply in Richfield
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Richfield
These steps are the ones that most affect the offer you receive in Richfield:
- 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.