Udall at a glance
- Population: the Census estimates 644 residents, ranking 252nd of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 660 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 2.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 252nd largest of 625 (US Census Bureau).
- Size percentile: about 60% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 37.3890 latitude, -97.1177 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Oxford, KS (8 mi); Mulvane, KS (9 mi); Belle Plaine, KS (9 mi); Douglass, KS (11 mi); Rose Hill, KS (13 mi) (US Census Bureau populations).
- Nearest smaller towns: Geuda Springs, KS (19 mi); Atlanta, KS (20 mi); Burden, KS (21 mi) — US Census Bureau populations.
What a personal loan costs in Udall
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Udall
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Udall.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Udall
Before you commit to a personal loan in Udall, work through these steps:
- 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.