Argonia at a glance
- Population: 451 residents, the 282nd-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 460 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.0% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 282nd largest of 625 (US Census Bureau).
- Size percentile: roughly 55% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 37.2679, -97.7629 by the US Census Bureau Gazetteer.
- Nearest larger cities: Conway Springs, KS (11 mi); Harper, KS (15 mi); Anthony, KS (17 mi); Caldwell, KS (18 mi); Wellington, KS (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Milan, KS (5 mi); Danville, KS (7 mi); Mayfield, KS (12 mi) (US Census Bureau estimates).
What a personal loan costs in Argonia
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Kansas lending rules that apply in Argonia
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 Argonia
These steps are the ones that most affect the offer you receive in Argonia:
- 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.