Personal loans in Gans, OK
The Census estimates 254 residents in Gans, which ranks it 407th of 590 places in Oklahoma. The roughly 254 people who live in Gans borrow under Oklahoma rules; city hall sets no personal-loan rate.
Verify the lender's Oklahoma licence against the regulator named below before borrowing in Gans. To lend to Gans's 254 residents, a company must hold a Oklahoma licence, and each sourced row below names the regulator behind it. From the 2020 Census base to the 2023 estimate, the population rose by about 0.8%. A larger market lies at Muldrow, OK about 6 miles away.
Gans: population, trend and location
The figures below are Gans's own — Census population, land area and coordinates — followed by the Oklahoma rules.
- Population: 254 people, a figure that places Gans 407th among the 590 Census places in Oklahoma (US Census Bureau, Vintage 2023).
- Population trend: About 0.8% above the 2020 Census base.
- Net change: roughly 2 more people than the 2020 Census counted.
- Size percentile: with 254 residents, Gans is larger than about 31% of Oklahoma's Census places.
- Density: roughly 984 residents per square mile, spread over 0.3 sq mi of land.
- Land area rank: Gans's 0.3 square miles rank 520th of 590 places in Oklahoma.
- Share of state population: Gans's 254 residents are about 0.0% of Oklahoma.
- National standing: Gans ranks 15,708th of 19,457 US places.
- Growth rank: Gans ranks 275th among Oklahoma's 590 places for the 2020-to-2023 change.
- State comparison: Oklahoma's places average +1.3% for 2020-to-2023, against Gans's 0.8%.
- Density rank: Gans is the 111th most densely settled place in Oklahoma.
- Against the state median: Gans runs about 984 residents per square mile, where the Oklahoma median is 546.
- Location: 35.3877, -94.6936 (US Census Bureau Gazetteer).
- Nearest larger cities: Muldrow (6 mi); Sallisaw (8 mi); Fort Coffee (9 mi); Roland (11 mi); Spiro (11 mi). Lenders licensed in the state serve Gans whether or not they keep a local branch.
- Smaller places close by: Moffett (13 mi); Marble City (15 mi); Tamaha (18 mi).
- Within a 50-mile radius: 12 smaller Census places.
- Larger places within 100 miles: 218.
Which Oklahoma laws govern a loan in Gans
Every row below records a Oklahoma rule, its publisher and its retrieval date — the same rules a Gans lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oklahoma Department of Consumer Credit (OKDOCC) Source says: "The Department is responsible for the regulation of consumer credit sales and consumer loans in the State of Oklahoma." | Oklahoma Department of Consumer Credit as of 2026-09-16 |
| Payday lending status | Prohibited since August 1, 2020: no new deferred deposit (payday) loans may be made; all Deferred Deposit Lending Act licenses terminated. Source says: "Beginning on and after August 1, 2020, no new deferred deposit loan may be entered into or transacted by a licensee or other person" and "All Deferred Deposit Lending Act licenses shall be terminated and be deemed to have expired on August 1, 2020" (59 O.S. 3101.1). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
| Small-loan / installment lender licensing | Oklahoma Small Lender license required (Oklahoma Department of Consumer Credit); separate license per location; 59 O.S. 3150-3150.27. Source says: "no person shall engage in the business of making small loans... unless the person is licensed by the Department of Consumer Credit" (59 O.S. 3150.2). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
Gans: area, density and distance
Gans's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 984 people per square mile. The largest place in Oklahoma, Oklahoma City, lies about 159 miles away. Counting outward 50 miles, 67 larger communities surround Gans. The 100-mile radius contains 218 larger places.
Gans against the rest of Oklahoma
Set beside Oklahoma's 590 places, Gans ranks 407th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Gans stands 275th among Oklahoma's 590 places — roughly the 53th percentile. By density, at about 984 people per square mile, it ranks 111th in Oklahoma. Within 50 miles sit 12 smaller Census places, alongside the 67 that are larger.
How lenders reach Gans
Gans is moderately settled, with about 984 people per square mile and 67 larger places within 50 miles. A Oklahoma licence lets a lender serve Gans without a local office, so branch density does not change what its 254 residents are offered. The nearest bigger place is Muldrow, OK about 6 miles away.
How a Gans personal loan is priced
In Gans, a small community of about 254, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Gans's rank of 407th in Oklahoma: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Gans loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Gans if my credit is poor?
What loan size can I expect in Gans?
Do I have to pledge anything to borrow in Gans?
Does comparing loans in Gans cost me credit score points?
Nearby places
- Muldrow, OK — population 3,341
- Sallisaw, OK — population 8,641
- Fort Coffee, OK — population 347
- Spiro, OK — population 2,172
- Roland, OK — population 3,818
- Panama, OK — population 1,302
- Bokoshe, OK — population 403
- Marble City, OK — population 191