Chetopa at a glance
- Population: 911 (US Census Bureau, Vintage 2023 subcounty estimate), the 209th-largest of 625 places in Kansas.
- 2020 Census base: 934 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 209th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 67% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 37.0374 / -95.0922, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Oswego, KS (9 mi); Commerce, OK (15 mi); Altamont, KS (15 mi); Miami, OK (16 mi); Columbus, KS (17 mi) (US Census Bureau).
- Nearest smaller communities: Bartlett, KS (7 mi); Welch, OK (11 mi); Labette, KS (14 mi) (Census populations).
What a personal loan costs in Chetopa
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Chetopa
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Chetopa.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chetopa
A few practical steps will make the process in Chetopa 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.