Tonganoxie at a glance
- Population: a Census-estimated 6,102, placing it 57th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 5,569 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 9.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kansas places: 57th by size among 625 communities (US Census Bureau).
- Size percentile: larger than about 91% of the Census places in Kansas (US Census Bureau).
- Coordinates: 39.1079 / -95.0791, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Basehor, KS (8 mi); Bonner Springs, KS (11 mi); Eudora, KS (12 mi); De Soto, KS (12 mi); Lansing, KS (13 mi) (US Census Bureau populations).
- Nearest smaller communities: Linwood, KS (8 mi); McLouth, KS (9 mi); Edwardsville, KS (14 mi) (Census populations).
What a personal loan costs in Tonganoxie
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kansas lending rules that apply in Tonganoxie
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 Tonganoxie
These steps are the ones that most affect the offer you receive in Tonganoxie:
- 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.