Erie at a glance
- Population: 1,019 residents, the 189th-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,049 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 2.9% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 189th by size among 625 communities (US Census Bureau).
- Size percentile: about 70% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 37.5717 latitude, -95.2418 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Chanute, KS (14 mi); Parsons, KS (16 mi); Humboldt, KS (20 mi); Girard, KS (22 mi); Iola, KS (26 mi), each a US Census place with its estimated population.
- Nearest smaller towns: St. Paul, KS (5 mi); Galesburg, KS (9 mi); Walnut, KS (9 mi) (US Census Bureau).
What a personal loan costs in Erie
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Kansas lending rules that apply in Erie
Read the table as the compliance picture for a lender serving Erie: label, sourced figure, publisher and 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 Erie
The steps below are worth completing first when you borrow in Erie:
- 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.