Princeton at a glance
- Population: roughly 254 people; 364th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 247 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 364th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 42% of Kansas places in population terms (US Census Bureau).
- Coordinates: 38.4862 latitude, -95.2701 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Richmond, KS (6 mi); Ottawa, KS (8 mi); Williamsburg, KS (11 mi); Greeley, KS (11 mi); Pomona, KS (13 mi) (US Census Bureau).
- Smaller towns nearby: Rantoul, KS (10 mi); Lane, KS (11 mi); Parker, KS (19 mi) (US Census Bureau).
What a personal loan costs in Princeton
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Princeton
Read the table as the compliance picture for a lender serving Princeton: label, sourced figure, publisher and date.
| 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 Princeton
Before you share your details with a lender in Princeton:
- 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.