Gas at a glance
- Population: 466 — 277th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 470 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 0.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: 277th of the state's 625 Census places (US Census Bureau).
- Size percentile: about 56% of Kansas's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.9226, -95.3450.
- Nearest larger cities (120-mile radius): La Harpe, KS (2 mi); Iola, KS (3 mi); Humboldt, KS (9 mi); Chanute, KS (19 mi); Yates Center, KS (23 mi) (US Census Bureau).
- Smaller places close by: Bassett, KS (3 mi); Moran, KS (9 mi); Colony, KS (10 mi) (US Census Bureau).
What a personal loan costs in Gas
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Gas
The table carries the Kansas rate and licensing rules that apply to consumer loans made in Gas.
| 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 Gas
These steps are the ones that most affect the offer you receive in Gas:
- 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.