Ellis at a glance
- Population: 1,921 — 124th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,960 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 124th in population of 625 places (US Census Bureau).
- Size percentile: ahead of around 80% of Kansas places in population terms (US Census Bureau).
- Coordinates: 38.9347, -99.5568 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Hays, KS (13 mi); Russell, KS (38 mi); Hoisington, KS (51 mi); Great Bend, KS (57 mi); Larned, KS (57 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: WaKeeney, KS (18 mi); Schoenchen, KS (20 mi); Zurich, KS (22 mi), each a US Census place.
What a personal loan costs in Ellis
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 Ellis
The table lists the Kansas rules that apply to a loan made in Ellis, 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 Ellis
The order below is a sensible way to approach a loan in Ellis:
- 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.