Linn Valley at a glance
- Population: 1,098 (US Census Bureau, Vintage 2023 subcounty estimate), the 178th-largest of 625 places in Kansas.
- 2020 Census base: 957 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 14.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: the 178th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 72% of the places in Kansas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.3754, -94.7109.
- Nearest larger cities: Pleasanton, KS (14 mi); Osawatomie, KS (15 mi); Paola, KS (16 mi); Louisburg, KS (17 mi); Adrian, MO (20 mi); US Census Bureau population estimates.
- Nearest smaller communities: La Cygne, KS (3 mi); Merwin, MO (7 mi); Amsterdam, MO (7 mi) (Census populations).
What a personal loan costs in Linn Valley
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Linn Valley
Read the table as the compliance picture for a lender serving Linn Valley: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Linn Valley
A few practical steps will make the process in Linn Valley 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.