Tampa at a glance
- Population: 105 people, the 492nd-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 107 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 492nd out of 625 Census places (US Census Bureau).
- Size percentile: ahead of around 21% of Kansas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.5481, -97.1542.
- Nearest larger cities: Hope, KS (11 mi); Lincolnville, KS (11 mi); Hillsboro, KS (14 mi); Lehigh, KS (14 mi); Marion, KS (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Durham, KS (6 mi); Ramona, KS (6 mi); Lost Springs, KS (10 mi) (US Census Bureau).
What a personal loan costs in Tampa
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Tampa
The table lists the Kansas rules that apply to a loan made in Tampa, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tampa
Before you share your details with a lender in Tampa:
- 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.