Manter at a glance
- Population: about 120, 473rd by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 131 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 8.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 473rd in population of 625 places (US Census Bureau).
- Size percentile: it exceeds roughly 24% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 37.5245 latitude, -101.8832 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Johnson City, KS (8 mi); Walsh, CO (24 mi); Ulysses, KS (29 mi); Syracuse, KS (30 mi); Rolla, KS (31 mi); US Census Bureau population estimates.
- Nearest smaller communities: Richfield, KS (19 mi); Two Buttes, CO (28 mi); Vilas, CO (33 mi) (Census populations).
What a personal loan costs in Manter
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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 Manter
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Manter.
| 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 Manter
Here is a short checklist for comparing personal loans in Manter:
- 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.