De Soto at a glance
- Population: 6,539 residents, the 54th-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,120 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 6.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 54th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 91% of Kansas places in population terms (US Census Bureau).
- Coordinates: 38.9666, -94.9411 (US Census Bureau Gazetteer).
- Nearest larger cities: Lenexa, KS (7 mi); Shawnee, KS (8 mi); Bonner Springs, KS (8 mi); Olathe, KS (9 mi); Gardner, KS (11 mi); US Census Bureau population estimates.
- Nearest smaller communities: Linwood, KS (6 mi); Eudora, KS (9 mi); Edwardsville, KS (10 mi) (Census populations).
What a personal loan costs in De Soto
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in De Soto
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 De Soto
The order below is a sensible way to approach a loan in De Soto:
- 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.