Roeland Park at a glance
- Population: a Census-estimated 6,712, placing it 52nd among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 6,875 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 52nd by size among 625 communities (US Census Bureau).
- Size percentile: about 92% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: 39.0359, -94.6374 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Mission, KS (1 mi); Merriam, KS (3 mi); Prairie Village, KS (3 mi); Kansas City, MO (8 mi); Kansas City, KS (8 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Fairway, KS (1 mi); Westwood, KS (1 mi); Mission Woods, KS (1 mi) (US Census Bureau).
What a personal loan costs in Roeland Park
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kansas lending rules that apply in Roeland Park
The table lists the Kansas rules that apply to a loan made in Roeland Park, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Roeland Park
Here is a short checklist for comparing personal loans in Roeland Park:
- 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.