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Personal loans in Fairway, KS

From the 2020 Census base to the 2023 estimate, the population declined by about 0.2%. Fairway is one of 625 Census places in Kansas; its 4,158 residents put it at 72nd. With roughly 4,158 residents, Fairway is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city. Use the calculator on this page to price an amount and term before you commit in Fairway. A single loan can carry different costs on either side of a state line, and Fairway sits on the Kansas side of that line. For a bigger market, look to Roeland Park, KS about 1 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Borrowing in Fairway: the local picture

Read the local figures below as context; read the sourced Kansas table as the rulebook a lender here must follow.

The geography behind Fairway

Fairway's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 3,683 people per square mile. Wichita, the largest place in Kansas, is about 174 miles from Fairway. Counting outward 50 miles, 54 larger communities surround Fairway. Within the same 50 miles lie 108 smaller Census places.

The state rulebook for Fairway

When Kansas does not publish a figure, the row links to the source instead of inventing a number; Fairway is bound by the same rules.

RuleDetailSource
State lending regulatorKansas 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 caps36% 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 lenders reach Fairway

At roughly 3,683 people per square mile, Fairway is fairly dense; 54 larger places lie within 50 miles. Lenders licensed in Kansas reach Fairway's 4,158 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Roeland Park, KS about 1 miles away.

Fairway's place among Kansas's 625 places

Against Kansas's other places, Fairway accounts for about 0.2% of the state's population and ranks 72nd of 625 by size. For population change between 2020 and 2023, Fairway ranks 188th of 625 in Kansas (about the 70th percentile). At about 3,683 people per square mile, Fairway is the 6th most densely settled place in Kansas. The population moved by about 9 people between 2020 and 2023, a 0.2% shift.

The anatomy of a Fairway personal loan

A Fairway personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,158 residents. Because pricing is borrower-level, two people in Fairway can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Fairway loan is knowable in advance — unlike a revolving card balance.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Fairway if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Fairway is the same as anywhere in Kansas.
What loan size can I expect in Fairway?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Fairway?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Fairway cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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