Zurich at a glance
- Population: roughly 81 people; 531st of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 85 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 4.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 531st in population of 625 places (US Census Bureau).
- Size percentile: about 15% of places in Kansas are smaller (US Census Bureau).
- Coordinates: latitude 39.2323, longitude -99.4347 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Palco, KS (7 mi); Plainville, KS (7 mi); Damar, KS (10 mi); Stockton, KS (16 mi); Bogue, KS (16 mi) (US Census Bureau populations).
- Smaller towns nearby: Paradise, KS (29 mi); Speed, KS (31 mi); Glade, KS (32 mi) (US Census Bureau).
What a personal loan costs in Zurich
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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 Zurich
The table lists the Kansas rules that apply to a loan made in Zurich, each with the regulator that published it.
| 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 Zurich
Before you share your details with a lender in Zurich:
- 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.