Leawood at a glance
- Population: about 33,980 residents, ranking 13th of 625 Census places in Kansas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 33,897 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 13th of the state's 625 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 98% of Kansas's Census places by population (US Census Bureau).
- Coordinates: latitude 38.9073, longitude -94.6252 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Overland Park, KS (4 mi); Lenexa, KS (10 mi); Olathe, KS (11 mi); Shawnee, KS (12 mi); Lee's Summit, MO (13 mi) (US Census Bureau).
- Smaller towns nearby: Prairie Village, KS (6 mi); Loch Lloyd, MO (6 mi); Grandview, MO (6 mi) (US Census Bureau).
What a personal loan costs in Leawood
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Kansas lending rules that apply in Leawood
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Leawood.
| 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 Leawood
A few practical steps will make the process in Leawood 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.