Tescott at a glance
- Population: the Census estimates 264 residents, ranking 358th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 265 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Kansas places: the 358th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 43% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 39.0130 latitude, -97.8783 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Minneapolis, KS (12 mi); Lincoln Center, KS (15 mi); Bennington, KS (15 mi); Delphos, KS (19 mi); Salina, KS (20 mi) (US Census Bureau).
- Smaller places close by: Beverly, KS (5 mi); Culver, KS (7 mi); Barnard, KS (15 mi) (US Census Bureau).
What a personal loan costs in Tescott
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Tescott
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 Tescott
Before you share your details with a lender in Tescott:
- 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.