Galesburg at a glance
- Population: 141 (US Census Bureau, Vintage 2023 subcounty estimate), the 452nd-largest of 625 places in Kansas.
- 2020 Census base: 146 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.4% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: the 452nd-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: about 28% of places in Kansas are smaller (US Census Bureau).
- Coordinates: 37.4722, -95.3564 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Thayer, KS (7 mi); Erie, KS (9 mi); St. Paul, KS (10 mi); Parsons, KS (11 mi); Chanute, KS (15 mi) (US Census Bureau populations).
- Smaller towns nearby: Earlton, KS (10 mi); Stark, KS (19 mi); Labette, KS (19 mi) (US Census Bureau).
What a personal loan costs in Galesburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Galesburg
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| 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 Galesburg
Before you share your details with a lender in Galesburg:
- 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.