Personal loans in Gas, KS

State law, not city hall, decides what a lender may do to Gas's roughly 466 residents, and a state regulator supervises it. With 466 residents, Gas outranks about 56% of the communities in Kansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

With roughly 466 residents, Gas is a small community, and the lending rules its borrowers live under are written in Kansas, not by the city. Gas lost roughly 0.9% of its population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Gas. A larger market lies at La Harpe, KS about 2 miles away.

Gas by the numbers

The figures below are Gas's own — Census population, land area and coordinates — followed by the Kansas rules.

Lender access in Gas

Gas is moderately settled, with about 647 people per square mile and 29 larger places within 50 miles. Lenders licensed in Kansas reach Gas's 466 residents online, so the nearest branch is not what sets your APR. The nearest larger city, La Harpe, KS about 2 miles away.

Gas's place among Kansas's 625 places

Against Kansas's other places, Gas accounts for about 0.0% of the state's population and ranks 277th of 625 by size. On the 2020-to-2023 trend, Gas stands 267th among Kansas's 625 places — roughly the 57th percentile. At about 647 people per square mile, Gas is the 365th most densely settled place in Kansas. Between 2020 and 2023 the count changed by roughly 4 residents.

The state rulebook for Gas

Below are the Kansas rules that apply to a loan made in Gas, each with the regulator that issued it.

RuleDetailSource
State lending regulatorKansas 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 caps36% 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

The geography behind Gas

The Census Gazetteer records about 0.7 square miles of land within Gas, with no significant water area listed. The resulting density is about 647 people per square mile. The state's population centre of gravity, Wichita, is roughly 110 miles away. Within 50 miles of Gas there are 29 larger Census places. Within the same 50 miles lie 62 smaller Census places.

How a Gas personal loan is priced

Most loans made to Gas's 466 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Gas loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Gas loan is knowable in advance — unlike a revolving card balance.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Gas if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Gas is the same as anywhere in Kansas.
What loan size can I expect in Gas?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Gas?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Gas cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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