Geuda Springs at a glance
- Population: 156 — 437th in Kansas, which has 625 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 154 (US Census Bureau).
- 2020 to 2023 change: population rose about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kansas places: the 437th-largest of 625 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 30% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: mapped at 37.1114, -97.1504 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Arkansas City, KS (7 mi); Parkerfield, KS (9 mi); Oxford, KS (11 mi); Winfield, KS (13 mi); South Haven, KS (14 mi) (US Census Bureau).
- Nearest smaller towns: Hunnewell, KS (16 mi); Kildare, OK (22 mi); Mayfield, KS (24 mi) — US Census Bureau populations.
What a personal loan costs in Geuda Springs
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kansas lending rules that apply in Geuda Springs
The table lists the Kansas rules that apply to a loan made in Geuda Springs, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Geuda Springs
Run through this list before signing anything in Geuda Springs:
- 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.