Meade at a glance
- Population: about 1,442, 146th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,505 residents here (US Census Bureau).
- 2020 to 2023 change: down about 4.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 146th in population of 625 places (US Census Bureau).
- Size percentile: larger than about 77% of the Census places in Kansas (US Census Bureau).
- Coordinates: mapped at 37.2836, -100.3430 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Liberal, KS (36 mi); Cimarron, KS (36 mi); Dodge City, KS (37 mi); Garden City, KS (55 mi); Hugoton, KS (56 mi) (US Census Bureau).
- Smaller towns nearby: Fowler, KS (11 mi); Plains, KS (14 mi); Kismet, KS (20 mi) (US Census Bureau).
What a personal loan costs in Meade
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Meade
Read the table as the compliance picture for a lender serving Meade: label, sourced figure, publisher and date.
| 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 Meade
These steps are the ones that most affect the offer you receive in Meade:
- 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.