Holcomb at a glance
- Population: 2,190 (US Census Bureau, Vintage 2023 subcounty estimate), the 107th-largest of 625 places in Kansas.
- 2020 Census base: 2,249 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.6% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 107th out of 625 Census places (US Census Bureau).
- Size percentile: ahead of around 83% of Kansas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.9860, -100.9936.
- Nearest larger cities: Garden City, KS (8 mi); Scott City, KS (34 mi); Ulysses, KS (34 mi); Dodge City, KS (55 mi); Hugoton, KS (59 mi); US Census Bureau population estimates.
- Nearest smaller places: Deerfield, KS (8 mi); Lakin, KS (15 mi); Ingalls, KS (31 mi) (US Census Bureau estimates).
What a personal loan costs in Holcomb
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Holcomb
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Holcomb.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Holcomb
Here is a short checklist for comparing personal loans in Holcomb:
- 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.