Linwood at a glance
- Population: 425 — 296th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 412 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 3.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 296th by size among 625 communities (US Census Bureau).
- Size percentile: roughly 53% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 39.0020, -95.0371 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Eudora, KS (6 mi); De Soto, KS (6 mi); Tonganoxie, KS (8 mi); Bonner Springs, KS (10 mi); Basehor, KS (11 mi) (US Census Bureau).
- Nearest smaller towns: Farley, MO (23 mi); Mission Woods, KS (23 mi); Westwood Hills, KS (23 mi) — US Census Bureau populations.
What a personal loan costs in Linwood
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Linwood
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Linwood
A few practical steps will make the process in Linwood less costly:
- 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.