Belle Plaine at a glance
- Population: about 1,452, 145th by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,470 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 1.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 145th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 77% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 37.3934, -97.2795 in the US Census Bureau Gazetteer.
- Nearest larger cities: Mulvane, KS (6 mi); Wellington, KS (11 mi); Derby, KS (12 mi); Haysville, KS (13 mi); Clearwater, KS (14 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Udall, KS (9 mi); Oxford, KS (10 mi); Mayfield, KS (17 mi), each a US Census place.
What a personal loan costs in Belle Plaine
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Belle Plaine
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Belle Plaine.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Belle Plaine
These steps are the ones that most affect the offer you receive in Belle Plaine:
- 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.