Americus at a glance
- Population: roughly 772 people; 225th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 778 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 225th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 64% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 38.5064 latitude, -96.2613 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Emporia, KS (8 mi); Council Grove, KS (17 mi); Cottonwood Falls, KS (18 mi); Lebo, KS (22 mi); Osage City, KS (25 mi); US Census Bureau population estimates.
- Nearest smaller towns: Dunlap, KS (8 mi); Bushong, KS (9 mi); Allen, KS (11 mi) (US Census Bureau).
What a personal loan costs in Americus
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kansas lending rules that apply in Americus
Read the table as the compliance picture for a lender serving Americus: label, sourced figure, publisher and date.
| 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 Americus
Run through this list before signing anything in Americus:
- 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.