Scandia at a glance
- Population: 337 — 338th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 342 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: the 338th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 46% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: 39.7969 latitude, -97.7840 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Belleville, KS (8 mi); Concordia, KS (17 mi); Jewell, KS (21 mi); Superior, NE (21 mi); Mankato, KS (23 mi), each a US Census place with its estimated population.
- Smaller places close by: Courtland, KS (6 mi); Republic, KS (9 mi); Formoso, KS (11 mi) (US Census Bureau).
What a personal loan costs in Scandia
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Scandia
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Scandia
The order below is a sensible way to approach a loan in Scandia:
- 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.