Penalosa at a glance
- Population: 18 — 621st in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 19 residents here (US Census Bureau).
- 2020 to 2023 change: down roughly 5.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 621st in population of 625 places (US Census Bureau).
- Size percentile: roughly 1% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.7156, -98.3202.
- Nearest larger cities: Cunningham, KS (8 mi); Turon, KS (9 mi); Langdon, KS (10 mi); Kingman, KS (12 mi); Preston, KS (13 mi); US Census Bureau population estimates.
- Smaller towns nearby: Waldron, KS (50 mi); Frederick, KS (55 mi); Lambert, OK (72 mi) (US Census Bureau).
What a personal loan costs in Penalosa
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Penalosa
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Penalosa
Before you commit to a personal loan in Penalosa, work through these steps:
- 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.