Woodbine at a glance
- Population: 160 — 435th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 158 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 1.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: the 435th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 30% of the places in Kansas (US Census Bureau).
- Coordinates: 38.7956 / -96.9593, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hope, KS (10 mi); Herington, KS (11 mi); Enterprise, KS (11 mi); White City, KS (12 mi); Chapman, KS (13 mi), each a US Census place with its estimated population.
- Smaller places close by: Latimer, KS (7 mi); Ramona, KS (15 mi); Lost Springs, KS (16 mi) (US Census Bureau).
What a personal loan costs in Woodbine
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Woodbine
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Woodbine
Here is a short checklist for comparing personal loans in Woodbine:
- 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.