Garfield at a glance
- Population: roughly 145 people; 448th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 150 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.3% since the 2020 count (US Census Bureau).
- Rank among Kansas places: 448th of the state's 625 Census places (US Census Bureau).
- Size percentile: roughly 28% of Kansas's places have fewer residents (US Census Bureau).
- Coordinates: 38.0771 / -99.2445, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lewis, KS (10 mi); Larned, KS (11 mi); Kinsley, KS (14 mi); Macksville, KS (17 mi); Burdett, KS (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Belpre, KS (12 mi); Rozel, KS (12 mi); Radium, KS (20 mi), each a US Census place.
What a personal loan costs in Garfield
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Garfield
The sourced rows below are the rules a licensed lender must follow when lending in Kansas, and therefore in Garfield.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Garfield
Here is a short checklist for comparing personal loans in Garfield:
- 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.