Shawnee at a glance
- Population: about 69,417, 7th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 67,313 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 3.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 7th in population of 625 places (US Census Bureau).
- Size percentile: about 99% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.0175, -94.8058.
- Nearest larger cities (120-mile radius): Kansas City, KS (8 mi); Olathe, KS (9 mi); Overland Park, KS (11 mi); Kansas City, MO (16 mi); Lee's Summit, MO (24 mi) (US Census Bureau).
- Nearest smaller places: Lake Quivira, KS (3 mi); Lenexa, KS (4 mi); Edwardsville, KS (4 mi) (US Census Bureau estimates).
What a personal loan costs in Shawnee
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Shawnee
The table lists the Kansas rules that apply to a loan made in Shawnee, 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 Shawnee
The order below is a sensible way to approach a loan in Shawnee:
- 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.