Scammon at a glance
- Population: 368, the 324th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 373 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 1.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 324th out of 625 Census places (US Census Bureau).
- Size percentile: larger than about 48% of the Census places in Kansas (US Census Bureau).
- Coordinates: 37.2792 latitude, -94.8236 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Weir, KS (3 mi); Cherokee, KS (5 mi); Columbus, KS (8 mi); Pittsburg, KS (12 mi); McCune, KS (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Roseland, KS (1 mi); West Mineral, KS (6 mi); Asbury, MO (12 mi), each a US Census place.
What a personal loan costs in Scammon
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Scammon
The table lists the Kansas rules that apply to a loan made in Scammon, each with the regulator that published it.
| 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 Scammon
Run through this list before signing anything in Scammon:
- 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.