Clayton at a glance
- Population: about 46, 580th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 47 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.1% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 580th by size among 625 communities (US Census Bureau).
- Size percentile: ahead of around 7% of Kansas places in population terms (US Census Bureau).
- Coordinates: latitude 39.7369, longitude -100.1765 (US Census Bureau Gazetteer).
- Nearest larger cities: Norcatur, KS (7 mi); Jennings, KS (7 mi); Lenora, KS (13 mi); Norton, KS (17 mi); Oberlin, KS (20 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Dresden, KS (15 mi); Edmond, KS (20 mi); Hendley, NE (29 mi) (US Census Bureau).
What a personal loan costs in Clayton
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Clayton
Read the table as the compliance picture for a lender serving Clayton: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clayton
The steps below are worth completing first when you borrow in Clayton:
- 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.