Bel Aire at a glance
- Population: 9,537, the 38th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 8,267 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 15.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kansas places: the 38th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 94% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 37.7759, -97.2466 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Wichita, KS (8 mi); Andover, KS (9 mi); Derby, KS (15 mi); Haysville, KS (16 mi); Newton, KS (19 mi) (US Census Bureau populations).
- Nearest smaller towns: Kechi, KS (2 mi); Park City, KS (5 mi); Eastborough, KS (6 mi) (US Census Bureau).
What a personal loan costs in Bel Aire
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kansas lending rules that apply in Bel Aire
The Kansas rate caps and licensing rules that reach Bel Aire are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bel Aire
Run through this list before signing anything in Bel Aire:
- 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.