Scott City at a glance
- Population: the Census estimates 3,931 residents, ranking 74th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 4,113 (US Census Bureau).
- 2020 to 2023 change: roughly 4.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 74th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 88% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 38.4789, -100.9031 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Garden City, KS (35 mi); Colby, KS (63 mi); Ulysses, KS (67 mi); Dodge City, KS (69 mi); Goodland, KS (74 mi) (US Census Bureau).
- Nearest smaller towns: Dighton, KS (24 mi); Leoti, KS (25 mi); Russell Springs, KS (33 mi) — US Census Bureau populations.
What a personal loan costs in Scott City
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Scott City
The Kansas rate caps and licensing rules that reach Scott City are listed below, each with its source and retrieval date.
| 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 Scott City
These steps are the ones that most affect the offer you receive in Scott City:
- 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.