Utica at a glance
- Population: 98 (US Census Bureau, Vintage 2023 subcounty estimate), the 500th-largest of 625 places in Kansas.
- 2020 Census base: 100 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 2.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 500th in population of 625 places (US Census Bureau).
- Size percentile: it exceeds roughly 20% of Kansas's Census places by population (US Census Bureau).
- Coordinates: 38.6427, -100.1698 (US Census Bureau Gazetteer).
- Nearest larger cities: Ransom, KS (13 mi); Ness City, KS (19 mi); Dighton, KS (20 mi); Bazine, KS (29 mi); Quinter, KS (29 mi); US Census Bureau population estimates.
- Nearest smaller communities: Brownell, KS (23 mi); Collyer, KS (27 mi); Gove City, KS (28 mi) (Census populations).
What a personal loan costs in Utica
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Utica
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Utica.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Utica
These steps are the ones that most affect the offer you receive in Utica:
- 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.