Cheney at a glance
- Population: 2,160, the 108th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,181 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: the 108th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 83% of Kansas's Census places by population (US Census Bureau).
- Coordinates: it sits at 37.6353, -97.7797 in the US Census Bureau Gazetteer.
- Nearest larger cities: Goddard, KS (12 mi); Clearwater, KS (18 mi); Kingman, KS (18 mi); Maize, KS (20 mi); Haysville, KS (24 mi), each a US Census place with its estimated population.
- Smaller places nearby: Garden Plain, KS (6 mi); Norwich, KS (13 mi); Viola, KS (13 mi), per US Census Bureau estimates.
What a personal loan costs in Cheney
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Cheney
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Cheney.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cheney
Before you commit to a personal loan in Cheney, work through these steps:
- 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.