Personal loans in Manter, KS

Manter is a small community of about 120 residents, and a personal loan taken out here is governed by Kansas statute. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Manter's 120 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census counts 120 people in Manter, the 473rd-largest figure among Kansas's 625 places. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Manter loan. The 2020 count to the 2023 estimate shows about 8.4% decline in Manter. The closest larger place is Johnson City, KS about 8 miles away.

Manter by the numbers

Here is the sourced Census picture for Manter, plus the Kansas lending rules that apply to a loan taken out here.

Land, water and location for Manter

The Census Gazetteer records about 0.2 square miles of land within Manter, with no significant water area listed. The resulting density is about 482 people per square mile. Wichita, the largest place in Kansas, is about 249 miles from Manter. Within 50 miles of Manter there are 13 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Steps to take before a Manter loan

Before you hand your details to a lender in Manter, where the population is near 120:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Kansas licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Manter-specific: the same Kansas licensing and disclosure rules reach all 120 residents.

Manter's place among Kansas's 625 places

Set beside Kansas's 625 places, Manter ranks 473rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Manter stands 624th among Kansas's 625 places — roughly the 0th percentile. At about 482 people per square mile, Manter is the 453rd most densely settled place in Kansas. Within 50 miles sit 6 smaller Census places, alongside the 13 that are larger.

Borrowing reach in Manter

With about 482 residents per square mile, Manter is lightly settled, and 13 larger Census places sit within 50 miles. What is available to Manter's 120 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Johnson City, KS about 8 miles away.

Which Kansas laws govern a loan in Manter

Every row below records a Kansas rule, its publisher and its retrieval date — the same rules a Manter lender must follow.

RuleDetailSource
State lending regulatorKansas 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
Small-loan / installment lender licensingSupervised 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
UCCC consumer loan rate caps36% 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
Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Manter if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Manter is the same as anywhere in Kansas.
What loan size can I expect in Manter?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Manter?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Manter cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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