Sun City at a glance
- Population: 35, the 599th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 36 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 2.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 599th out of 625 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 4% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 37.3785, -98.9168 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Coats, KS (10 mi); Sawyer, KS (15 mi); Wilmore, KS (16 mi); Cullison, KS (17 mi); Haviland, KS (19 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Penalosa, KS (40 mi); Waldron, KS (48 mi); Radium, KS (55 mi), per US Census Bureau estimates.
What a personal loan costs in Sun City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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 Sun City
The table lists the Kansas rules that apply to a loan made in Sun City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sun City
The steps below are worth completing first when you borrow in Sun City:
- 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.