Chanute at a glance
- Population: the Census estimates 8,468 residents, ranking 43rd of 625 places in Kansas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 8,742 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.1% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 43rd of the state's 625 Census places (US Census Bureau).
- Size percentile: about 93% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 37.6697, -95.4642 (US Census Bureau Gazetteer).
- Nearest larger cities: Parsons, KS (26 mi); Coffeyville, KS (45 mi); Pittsburg, KS (46 mi); Miami, OK (63 mi); Emporia, KS (64 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Earlton, KS (6 mi); Humboldt, KS (10 mi); Thayer, KS (13 mi) — US Census Bureau populations.
What a personal loan costs in Chanute
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Chanute
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Chanute
Before you commit to a personal loan in Chanute, 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.