McFarland at a glance
- Population: the Census estimates 277 residents, ranking 355th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 273 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 355th in population of 625 places (US Census Bureau).
- Size percentile: roughly 43% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 39.0547, -96.2380 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Alma, KS (4 mi); Wamego, KS (11 mi); Maple Hill, KS (11 mi); St. Marys, KS (13 mi); St. George, KS (14 mi) (US Census Bureau).
- Nearest smaller towns: Paxico, KS (4 mi); Belvue, KS (12 mi); Louisville, KS (14 mi) — US Census Bureau populations.
What a personal loan costs in McFarland
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.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in McFarland
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in McFarland
The steps below are worth completing first when you borrow in McFarland:
- 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.