Dearing at a glance
- Population: 373 (US Census Bureau, Vintage 2023 subcounty estimate), the 321st-largest of 625 places in Kansas.
- 2020 Census base: 381 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 321st of the state's 625 Census places (US Census Bureau).
- Size percentile: larger than about 49% of the Census places in Kansas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.0534, -95.6954.
- Nearest larger cities (within 120 miles): Coffeyville, KS (3 mi); South Coffeyville, OK (6 mi); Independence, KS (12 mi); Caney, KS (13 mi); Copan, OK (17 mi) (US Census Bureau populations).
- Smaller places close by: Tyro, KS (7 mi); Liberty, KS (9 mi); Wann, OK (11 mi) (US Census Bureau).
What a personal loan costs in Dearing
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Dearing
The Kansas rate caps and licensing rules that reach Dearing are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dearing
The steps below are worth completing first when you borrow in Dearing:
- 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.