Dwight at a glance
- Population: the Census estimates 213 residents, ranking 385th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 215 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.9% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 385th in population of 625 places (US Census Bureau).
- Size percentile: ahead of around 38% of Kansas places in population terms (US Census Bureau).
- Coordinates: latitude 38.8452, longitude -96.5922 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Alta Vista, KS (6 mi); White City, KS (8 mi); Council Grove, KS (14 mi); Herington, KS (15 mi); Grandview Plaza, KS (17 mi) (US Census Bureau).
- Nearest smaller communities: Parkerville, KS (7 mi); Wilsey, KS (15 mi); Latimer, KS (16 mi) (Census populations).
What a personal loan costs in Dwight
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Dwight
The table lists the Kansas rules that apply to a loan made in Dwight, each with the regulator that published it.
| 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 Dwight
Run through this list before signing anything in Dwight:
- 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.