Garden Plain at a glance
- Population: 952 residents, the 199th-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 948 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Kansas places: the 199th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 68% of Kansas places in population terms (US Census Bureau).
- Coordinates: 37.6623 / -97.6773, per the US Census Bureau Gazetteer.
- Nearest larger cities: Cheney, KS (6 mi); Goddard, KS (7 mi); Colwich, KS (11 mi); Maize, KS (14 mi); Clearwater, KS (14 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Andale, KS (9 mi); Viola, KS (13 mi); Mount Hope, KS (15 mi) (US Census Bureau).
What a personal loan costs in Garden Plain
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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.
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 Garden Plain
Read the table as the compliance picture for a lender serving Garden Plain: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Garden Plain
Before you share your details with a lender in Garden Plain:
- 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.