Greeley at a glance
- Population: roughly 274 people; 356th of 625 places in Kansas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 271 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 356th largest of 625 (US Census Bureau).
- Size percentile: roughly 43% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.3674, -95.1263.
- Nearest larger cities within 120 miles: Richmond, KS (7 mi); Garnett, KS (8 mi); Osawatomie, KS (13 mi); Ottawa, KS (18 mi); La Cygne, KS (20 mi) (US Census Bureau).
- Nearest smaller communities: Lane, KS (6 mi); Parker, KS (8 mi); Princeton, KS (11 mi) (Census populations).
What a personal loan costs in Greeley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
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 Greeley
The Kansas rate caps and licensing rules that reach Greeley are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Greeley
Before you commit to a personal loan in Greeley, work through these steps:
- 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.