Attica at a glance
- Population: 508 people, the 270th-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 514 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 1.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: the 270th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 57% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: latitude 37.2426, longitude -98.2276 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Harper, KS (11 mi); Anthony, KS (12 mi); Medicine Lodge, KS (20 mi); Kiowa, KS (21 mi); Kingman, KS (29 mi) (US Census Bureau populations).
- Nearest smaller communities: Sharon, KS (10 mi); Zenda, KS (14 mi); Hazelton, KS (14 mi), each a US Census place.
What a personal loan costs in Attica
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Attica
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Attica.
| 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 Attica
The order below is a sensible way to approach a loan in Attica:
- 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.