West Mineral at a glance
- Population: about 148 residents, ranking 446th of 625 Census places in Kansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 151 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 446th of the state's 625 Census places (US Census Bureau).
- Size percentile: roughly 29% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 37.2839, -94.9268 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Scammon, KS (6 mi); McCune, KS (7 mi); Cherokee, KS (7 mi); Weir, KS (9 mi); Columbus, KS (9 mi) (US Census Bureau populations).
- Nearest smaller communities: Roseland, KS (5 mi); Labette, KS (15 mi); Waco, MO (18 mi) (Census populations).
What a personal loan costs in West Mineral
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 West Mineral
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in West Mineral.
| 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 West Mineral
Here is a short checklist for comparing personal loans in West Mineral:
- 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.