Buffalo at a glance
- Population: the Census estimates 212 residents, ranking 387th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 218 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 387th largest of 625 (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Kansas (US Census Bureau).
- Coordinates: it sits at 37.7091, -95.6969 in the US Census Bureau Gazetteer.
- Nearest larger cities: Yates Center, KS (11 mi); Altoona, KS (13 mi); Chanute, KS (13 mi); Fredonia, KS (14 mi); Humboldt, KS (16 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Benedict, KS (6 mi); Coyville, KS (11 mi); Earlton, KS (15 mi) (US Census Bureau).
What a personal loan costs in Buffalo
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Buffalo
The Kansas rate caps and licensing rules that reach Buffalo are listed below, each with its source and retrieval 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 Buffalo
Before you commit to a personal loan in Buffalo, work through these steps:
- 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.