Bazine at a glance
- Population: 269 residents, the 357th-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 275 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: the 357th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 43% of places in Kansas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.4461, -99.6930.
- Nearest larger cities (within 120 miles): Ness City, KS (11 mi); La Crosse, KS (22 mi); Jetmore, KS (33 mi); Ellis, KS (35 mi); Otis, KS (35 mi) (US Census Bureau populations).
- Nearest smaller places: Alexander, KS (8 mi); McCracken, KS (12 mi); Brownell, KS (14 mi) (US Census Bureau estimates).
What a personal loan costs in Bazine
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Bazine
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bazine
These steps are the ones that most affect the offer you receive in Bazine:
- 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.