Zenda at a glance
- Population: the Census estimates 68 residents, ranking 552nd of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 71 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 4.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 552nd-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 12% of Kansas's Census places by population (US Census Bureau).
- Coordinates: mapped at 37.4441, -98.2820 by the US Census Bureau Gazetteer.
- Nearest larger cities: Attica, KS (14 mi); Sharon, KS (15 mi); Cunningham, KS (16 mi); Kingman, KS (17 mi); Harper, KS (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Spivey, KS (6 mi); Nashville, KS (8 mi); Isabel, KS (15 mi) (US Census Bureau estimates).
What a personal loan costs in Zenda
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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.
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 Zenda
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Zenda.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Zenda
A few practical steps will make the process in Zenda 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.