Woodston at a glance
- Population: about 90, 515th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 94 (US Census Bureau).
- 2020 to 2023 change: roughly 4.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 515th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 18% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: 39.4539 latitude, -99.0983 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Alton, KS (8 mi); Stockton, KS (10 mi); Kirwin, KS (15 mi); Plainville, KS (19 mi); Natoma, KS (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Cedar, KS (16 mi); Gaylord, KS (19 mi); Glade, KS (20 mi) (US Census Bureau estimates).
What a personal loan costs in Woodston
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Woodston
Read the table as the compliance picture for a lender serving Woodston: 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 Woodston
Before you commit to a personal loan in Woodston, work through these steps:
- 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.