Leawood at a glance
- Population: the Census estimates 631 residents, ranking 427th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 618 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 2.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 427th of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 54% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: latitude 37.0311, longitude -94.5019 (US Census Bureau Gazetteer).
- Nearest larger cities: Joplin, MO (3 mi); Duquesne, MO (4 mi); Loma Linda, MO (6 mi); Duenweg, MO (6 mi); Airport Drive, MO (8 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Cliff Village, MO (1 mi); Shoal Creek Estates, MO (1 mi); Dennis Acres, MO (1 mi) (US Census Bureau).
What a personal loan costs in Leawood
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Leawood
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Leawood.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo) Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies" | Missouri Division of Finance as of 2026-09-16 |
| State lending regulator | Missouri Division of Finance (Department of Commerce and Insurance) Source says: "We regulate state-chartered banks, trust companies, consumer credit facilities, mortgage brokers, and savings and loan institutions" | Missouri Division of Finance as of 2026-09-16 |
| Additional loan fee cap (30+ day loans) | Up to 10% of principal, capped at $100 (RSMo § 408.140) Source says: "a fee, not to exceed ten percent of the principal amount loaned not to exceed one hundred dollars may be charged by the lender" | Missouri Revisor of Statutes as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per annum, or the higher published 'market rate' (RSMo § 408.030) Source says: "a rate of interest not exceeding ten percent per annum on money due or to become due upon any contract" | Missouri Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Legal and licensed — unsecured loans of $500 or less require a license from the Director of the Division of Finance (RSMo § 408.500) Source says: "in the business of making unsecured loans of five hundred dollars or less shall obtain a license from the director of the division of finance" | Missouri Revisor of Statutes as of 2026-09-16 |
How to compare offers in Leawood
The order below is a sensible way to approach a loan in Leawood:
- 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 Missouri using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.