Sedgwick at a glance
- Population: roughly 1,581 people; 141st of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,600 (US Census Bureau).
- 2020 to 2023 change: about 1.2% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 141st of the state's 625 Census places (US Census Bureau).
- Size percentile: about 77% of places in Kansas are smaller (US Census Bureau).
- Coordinates: latitude 37.9181, longitude -97.4202 (US Census Bureau Gazetteer).
- Nearest larger cities: Valley Center, KS (7 mi); Halstead, KS (8 mi); Park City, KS (9 mi); Newton, KS (9 mi); Maize, KS (10 mi), each a US Census place with its estimated population.
- Nearest smaller places: Bentley, KS (6 mi); Colwich, KS (11 mi); Mount Hope, KS (13 mi) (US Census Bureau estimates).
What a personal loan costs in Sedgwick
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in Sedgwick
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Sedgwick.
| 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 Sedgwick
The steps below are worth completing first when you borrow in Sedgwick:
- 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.