Havensville at a glance
- Population: roughly 126 people; 469th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 120 (US Census Bureau).
- 2020 to 2023 change: population rose about 5.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 469th largest of 625 (US Census Bureau).
- Size percentile: roughly 25% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 39.5112, -96.0764 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Onaga, KS (5 mi); Corning, KS (10 mi); Circleville, KS (12 mi); Emmett, KS (14 mi); Centralia, KS (15 mi) (US Census Bureau).
- Smaller places nearby: Soldier, KS (6 mi); Wheaton, KS (13 mi); Goff, KS (13 mi), per US Census Bureau estimates.
What a personal loan costs in Havensville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Havensville
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Havensville
These steps are the ones that most affect the offer you receive in Havensville:
- 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.