Esbon at a glance
- Population: 66 (US Census Bureau, Vintage 2023 subcounty estimate), the 554th-largest of 625 places in Kansas.
- 2020 Census base: 69 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 4.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 554th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 11% of Kansas places in population terms (US Census Bureau).
- Coordinates: 39.8218 / -98.4337, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lebanon, KS (7 mi); Burr Oak, KS (8 mi); Mankato, KS (12 mi); Jewell, KS (18 mi); Guide Rock, NE (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Webber, KS (23 mi); Cowles, NE (24 mi); Riverton, NE (25 mi), each a US Census place.
What a personal loan costs in Esbon
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Esbon
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Esbon.
| 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 Esbon
Before you share your details with a lender in Esbon:
- 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.