Strong City at a glance
- Population: 388 people, the 312th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 389 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 312th largest of 625 (US Census Bureau).
- Size percentile: roughly 50% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 38.3954, longitude -96.5367 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cottonwood Falls, KS (2 mi); Americus, KS (17 mi); Council Grove, KS (19 mi); Emporia, KS (19 mi); Olpe, KS (22 mi) (US Census Bureau populations).
- Nearest smaller towns: Elmdale, KS (6 mi); Dunlap, KS (15 mi); Matfield Green, KS (16 mi) — US Census Bureau populations.
What a personal loan costs in Strong City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Strong City
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 Strong City
Run through this list before signing anything in Strong 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.