Winfield at a glance
- Population: 11,669 (US Census Bureau, Vintage 2023 subcounty estimate), the 31st-largest of 625 places in Kansas.
- 2020 Census base: 11,786 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 31st in population of 625 places (US Census Bureau).
- Size percentile: it is larger than about 95% of the places in Kansas (US Census Bureau).
- Coordinates: 37.2428 / -96.9797, per the US Census Bureau Gazetteer.
- Nearest larger cities: Arkansas City, KS (12 mi); Derby, KS (27 mi); Andover, KS (32 mi); Ponca City, OK (36 mi); Wichita, KS (37 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Oxford, KS (11 mi); Parkerfield, KS (12 mi); Udall, KS (13 mi) (US Census Bureau estimates).
What a personal loan costs in Winfield
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 every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
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 Winfield
Read the table as the compliance picture for a lender serving Winfield: label, sourced figure, publisher and date.
| 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 Winfield
These steps are the ones that most affect the offer you receive in Winfield:
- 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.