Westmoreland at a glance
- Population: about 723, 231st by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 727 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 231st in population of 625 places (US Census Bureau).
- Size percentile: ahead of around 63% of Kansas places in population terms (US Census Bureau).
- Coordinates: 39.3942, -96.4137 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): St. George, KS (14 mi); Wamego, KS (14 mi); Manhattan, KS (18 mi); Riley, KS (23 mi); St. Marys, KS (23 mi) (US Census Bureau populations).
- Nearest smaller towns: Wheaton, KS (9 mi); Olsburg, KS (11 mi); Louisville, KS (11 mi) (US Census Bureau).
What a personal loan costs in Westmoreland
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Westmoreland
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Westmoreland
Here is a short checklist for comparing personal loans in Westmoreland:
- 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.