La Crosse at a glance
- Population: 1,209, the 168th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,259 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 4.0% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 168th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 73% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 38.5318, -99.3095 by the US Census Bureau Gazetteer.
- Nearest larger cities: Hays, KS (24 mi); Larned, KS (27 mi); Hoisington, KS (29 mi); Great Bend, KS (30 mi); Ellis, KS (31 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Rush Center, KS (5 mi); Bison, KS (6 mi); Timken, KS (8 mi), per US Census Bureau estimates.
What a personal loan costs in La Crosse
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 La Crosse
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 La Crosse
The steps below are worth completing first when you borrow in La Crosse:
- 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.