Downs at a glance
- Population: 790 people, the 223rd-largest place among Kansas's 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 805 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 1.9% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 223rd of the state's 625 Census places (US Census Bureau).
- Size percentile: about 64% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 39.5046 latitude, -98.5473 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Osborne, KS (9 mi); Smith Center, KS (22 mi); Beloit, KS (24 mi); Mankato, KS (27 mi); Lincoln Center, KS (38 mi) (US Census Bureau).
- Nearest smaller communities: Cawker City, KS (6 mi); Portis, KS (9 mi); Tipton, KS (12 mi), each a US Census place.
What a personal loan costs in Downs
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Downs
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Downs
Here is a short checklist for comparing personal loans in Downs:
- 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.