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Personal loans in Gove City, KS

In Gove City, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census estimates count about 80 residents in Gove City, making it the 532nd-largest of 625 places in Kansas. Kansas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

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

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Gove City at a glance

  • Population: about 80, 532nd by size in Kansas of 625 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 80 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
  • Rank among Kansas places: 532nd-largest of 625 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: it is larger than about 15% of the places in Kansas (US Census Bureau).
  • Coordinates: latitude 38.9595, longitude -100.4871 (US Census Bureau Gazetteer).
  • Nearest larger cities: Grainfield, KS (11 mi); Park, KS (13 mi); Grinnell, KS (14 mi); Quinter, KS (15 mi); Collyer, KS (21 mi); US Census Bureau population estimates.
  • Smaller places nearby: Menlo, KS (30 mi); Russell Springs, KS (37 mi); Brownell, KS (46 mi), per US Census Bureau estimates.

What a personal loan costs in Gove City

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

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.

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 Gove City

Each row below is a Kansas rule with its publisher and the date it was retrieved.

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
Payday lending statusPermitted 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 licensingSupervised 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

How to compare offers in Gove City

Run through this list before signing anything in Gove City:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Kansas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Gove City?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Gove City are the same as elsewhere in Kansas.
How much can I borrow with a personal loan in Gove City?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Gove City require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Gove City hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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