Baldwin City at a glance
- Population: 4,929, the 65th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,825 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 65th in population of 625 places (US Census Bureau).
- Size percentile: about 90% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 38.7775, longitude -95.1875 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Eudora, KS (12 mi); Ottawa, KS (13 mi); Lawrence, KS (13 mi); Gardner, KS (14 mi); De Soto, KS (19 mi) (US Census Bureau populations).
- Smaller places nearby: Wellsville, KS (7 mi); Edgerton, KS (12 mi); Rantoul, KS (17 mi), per US Census Bureau estimates.
What a personal loan costs in Baldwin City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Baldwin City
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Baldwin City
Before you commit to a personal loan in Baldwin City, 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.