Windom at a glance
- Population: about 89, 519th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 88 (US Census Bureau).
- 2020 to 2023 change: roughly 1.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 519th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 17% of the Census places in Kansas (US Census Bureau).
- Coordinates: 38.3841, -97.9102 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Little River, KS (6 mi); Marquette, KS (13 mi); Inman, KS (13 mi); McPherson, KS (13 mi); The Highlands, KS (15 mi), each a US Census place with its estimated population.
- Nearest smaller places: Willowbrook, KS (20 mi); Frederick, KS (21 mi); Raymond, KS (28 mi) (US Census Bureau estimates).
What a personal loan costs in Windom
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Windom
The Kansas rate caps and licensing rules that reach Windom 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 Windom
A few practical steps will make the process in Windom less costly:
- 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.