Gans at a glance
- Population: about 254 residents, ranking 407th of 590 Census places in Oklahoma (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 252 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 0.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Oklahoma places: 407th of 590 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 31% of Oklahoma places in population terms (US Census Bureau).
- Coordinates: 35.3877 latitude, -94.6936 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Muldrow, OK (6 mi); Sallisaw, OK (8 mi); Fort Coffee, OK (9 mi); Roland, OK (11 mi); Spiro, OK (11 mi) (US Census Bureau).
- Smaller places nearby: Moffett, OK (13 mi); Marble City, OK (15 mi); Tamaha, OK (18 mi), per US Census Bureau estimates.
What a personal loan costs in Gans
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Oklahoma lending rules that apply in Gans
The sourced rows below are the rules a licensed lender must follow when lending in Oklahoma, and therefore in Gans.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| Small loan rate and principal caps (state-specific rule) | Small loans: interest capped at 17% per month; maximum aggregated principal of $1,500 per customer across all licensees (CPI-adjusted). Source says: "A licensee may only charge and collect a periodic interest rate not to exceed seventeen percent (17%) per month" (59 O.S. 3150.10(B)); max aggregated principal is $1,500 (3150.10(C)). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 6% per annum legal rate in the absence of a contract; parties may agree to any rate authorized by law. Source says: "The legal rate of interest shall be six percent (6%) in the absence of any contract as to the rate of interest" (15 O.S. 266). | Oklahoma State Courts Network (Oklahoma Statutes, OSCN) as of 2026-09-16 |
How to compare offers in Gans
A few practical steps will make the process in Gans less costly:
- 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 Oklahoma using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.