Tribune at a glance
- Population: roughly 713 people; 233rd of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 772 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 7.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: the 233rd-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 63% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.4720, -101.7545.
- Nearest larger cities: Leoti, KS (21 mi); Sharon Springs, KS (29 mi); Holly, CO (35 mi); Syracuse, KS (36 mi); Cheyenne Wells, CO (40 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Horace, KS (2 mi); Sheridan Lake, CO (29 mi); Wallace, KS (32 mi) (US Census Bureau).
What a personal loan costs in Tribune
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Tribune
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Tribune
These steps are the ones that most affect the offer you receive in Tribune:
- 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.