Ulysses at a glance
- Population: the Census estimates 5,616 residents, ranking 60th of 625 places in Kansas (Vintage 2023).
- 2020 Census base: 5,791 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 3.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 60th largest of 625 (US Census Bureau).
- Size percentile: ahead of around 90% of Kansas places in population terms (US Census Bureau).
- Coordinates: latitude 37.5773, longitude -101.3549 (US Census Bureau Gazetteer).
- Nearest larger cities: Garden City, KS (39 mi); Liberal, KS (44 mi); Guymon, OK (62 mi); Dodge City, KS (74 mi); Lamar, CO (77 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Moscow, KS (19 mi); Johnson City, KS (21 mi); Satanta, KS (22 mi) (US Census Bureau).
What a personal loan costs in Ulysses
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Ulysses
The table lists the Kansas rules that apply to a loan made in Ulysses, each with the regulator that published it.
| 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 Ulysses
Here is a short checklist for comparing personal loans in Ulysses:
- 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.