Waterville at a glance
- Population: 652 — 249th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 661 (US Census Bureau).
- 2020 to 2023 change: roughly 1.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 249th out of 625 Census places (US Census Bureau).
- Size percentile: roughly 60% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 39.6917, -96.7468 by the US Census Bureau Gazetteer.
- Nearest larger cities: Blue Rapids, KS (5 mi); Marysville, KS (12 mi); Hanover, KS (15 mi); Frankfort, KS (18 mi); Washington, KS (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Barnes, KS (7 mi); Greenleaf, KS (13 mi); Linn, KS (18 mi) (US Census Bureau estimates).
What a personal loan costs in Waterville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Waterville
The Kansas rate caps and licensing rules that reach Waterville are listed below, each with its source and retrieval date.
| 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 Waterville
These steps are the ones that most affect the offer you receive in Waterville:
- 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.