Augusta at a glance
- Population: roughly 9,245 people; 40th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 9,249 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Kansas places: 40th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 94% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 37.6980, -96.9732 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Andover, KS (9 mi); El Dorado, KS (10 mi); Bel Aire, KS (16 mi); Derby, KS (18 mi); Wichita, KS (20 mi) (US Census Bureau populations).
- Nearest smaller places: Towanda, KS (7 mi); Benton, KS (10 mi); Leon, KS (10 mi) (US Census Bureau estimates).
What a personal loan costs in Augusta
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in Augusta
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Augusta
The steps below are worth completing first when you borrow in Augusta:
- 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.