Overbrook at a glance
- Population: roughly 984 people; 195th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,006 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.2% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 195th out of 625 Census places (US Census Bureau).
- Size percentile: larger than about 69% of the Census places in Kansas (US Census Bureau).
- Coordinates: 38.7794 / -95.5570, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Carbondale, KS (8 mi); Lyndon, KS (13 mi); Auburn, KS (17 mi); Osage City, KS (17 mi); Topeka, KS (19 mi) (US Census Bureau).
- Nearest smaller towns: Scranton, KS (10 mi); Pomona, KS (13 mi); Quenemo, KS (14 mi) (US Census Bureau).
What a personal loan costs in Overbrook
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Overbrook
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Overbrook.
| 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 Overbrook
The order below is a sensible way to approach a loan in Overbrook:
- 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.