Willard at a glance
- Population: a Census-estimated 75, placing it 541st among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 74 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 1.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: 541st-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 13% of the Census places in Kansas (US Census Bureau).
- Coordinates: it sits at 39.0941, -95.9429 in the US Census Bureau Gazetteer.
- Nearest larger cities: Rossville, KS (3 mi); Maple Hill, KS (5 mi); Silver Lake, KS (5 mi); St. Marys, KS (9 mi); Delia, KS (10 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Bushong, KS (35 mi); Dunlap, KS (42 mi); Olivet, KS (44 mi) — US Census Bureau populations.
What a personal loan costs in Willard
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Kansas lending rules that apply in Willard
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Willard
A few practical steps will make the process in Willard less costly:
- 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.