Lincoln Center at a glance
- Population: about 1,155 residents, ranking 173rd of 625 Census places in Kansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,166 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.9% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 173rd by size among 625 communities (US Census Bureau).
- Size percentile: roughly 72% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 39.0430, longitude -98.1467 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Ellsworth, KS (22 mi); Minneapolis, KS (25 mi); Beloit, KS (29 mi); Salina, KS (33 mi); Russell, KS (39 mi) (US Census Bureau).
- Smaller towns nearby: Beverly, KS (9 mi); Barnard, KS (11 mi); Sylvan Grove, KS (13 mi) (US Census Bureau).
What a personal loan costs in Lincoln Center
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
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 Lincoln Center
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Lincoln Center.
| 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 Lincoln Center
These steps are the ones that most affect the offer you receive in Lincoln Center:
- 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.