Lenexa at a glance
- Population: roughly 58,536 people; 8th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 57,417 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 8th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 99% of places in Kansas are smaller (US Census Bureau).
- Coordinates: mapped at 38.9653, -94.8039 by the US Census Bureau Gazetteer.
- Nearest larger cities: Shawnee, KS (4 mi); Olathe, KS (6 mi); Overland Park, KS (8 mi); Kansas City, KS (11 mi); Kansas City, MO (18 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Lake Quivira, KS (6 mi); Merriam, KS (7 mi); De Soto, KS (7 mi), per US Census Bureau estimates.
What a personal loan costs in Lenexa
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Lenexa
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Lenexa
Before you share your details with a lender in Lenexa:
- 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.