Edgerton at a glance
- Population: about 1,718, 133rd by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,756 (US Census Bureau).
- 2020 to 2023 change: population fell about 2.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 133rd in population of 625 places (US Census Bureau).
- Size percentile: larger than about 79% of the Census places in Kansas (US Census Bureau).
- Coordinates: it sits at 38.7693, -94.9651 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Gardner, KS (4 mi); Wellsville, KS (7 mi); Spring Hill, KS (8 mi); Olathe, KS (11 mi); Baldwin City, KS (12 mi) (US Census Bureau).
- Smaller places close by: Linwood, KS (17 mi); Rantoul, KS (17 mi); Loch Lloyd, MO (20 mi) (US Census Bureau).
What a personal loan costs in Edgerton
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Edgerton
The table lists the Kansas rules that apply to a loan made in Edgerton, each with the regulator that published it.
| 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 Edgerton
Before you commit to a personal loan in Edgerton, 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.