Personal loans in Garfield, KS

The nearest larger city is Lewis, KS about 10 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 3.3%. A lender that serves Garfield operates under Kansas lending statutes and a Kansas supervisor. For a community of about 145, the practical step is to compare APR across at least three lenders before committing.

Local context for Garfield

Set out below is Garfield's local context next to the state-level rules that reach every lender here.

• Population: 145 residents; Garfield is the 448th-largest of 625 places in Kansas (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 3.3% since the 2020 count.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: about 28% of Kansas's Census places are smaller than Garfield.
• Land and density: 0.5 square miles of land carry roughly 270 residents per square mile.
• By land area: Garfield ranks 305th among Kansas's 625 places, at 0.5 sq mi.
• State share: roughly 0.0% of Kansas's residents live in Garfield (145 people).
• National rank: Garfield is 17,348th of 19,457 places nationwide.
• Growth rank: Garfield's 2020-to-2023 change ranks 544th of 625 places in Kansas.
• State comparison: Kansas's places average -1.0% for 2020-to-2023, against Garfield's 3.3%.
• Density rank: Garfield places 546th among Kansas's places by people per square mile.
• Density in context: Garfield's 270 people per square mile sit against a Kansas median of 764.
• Location: coordinates 38.0771, -99.2445 (US Census Bureau Gazetteer).
• Nearest larger cities: Lewis (10 mi); Larned (11 mi); Kinsley (14 mi); Macksville (17 mi); Burdett (17 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Belpre (12 mi); Rozel (12 mi); Radium (20 mi).
• Within a 50-mile radius: 20 smaller Census places.
• Larger places within 100 miles: 126.

A practical checklist for Garfield borrowers

Before you hand your details to a lender in Garfield, where the population is near 145:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Kansas regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Kansas; what changes is your credit file, not the fact that Garfield holds 145 people.

Where Garfield sits

The Census Gazetteer records about 0.5 square miles of land within Garfield, with no significant water area listed. With 145 residents, the land area yields roughly 270 people per square mile. The largest place in Kansas, Wichita, lies about 107 miles away. Within 50 miles of Garfield there are 32 larger Census places. Within the same 50 miles lie 20 smaller Census places.

Getting a loan in Garfield

With about 270 residents per square mile, Garfield is lightly settled, and 32 larger Census places sit within 50 miles. What is available to Garfield's 145 borrowers is set by Kansas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lewis, KS about 10 miles away.

Garfield against the rest of Kansas

Against Kansas's other places, Garfield accounts for about 0.0% of the state's population and ranks 448th of 625 by size. Its 2020-to-2023 change ranks 544th of 625 Kansas places, putting it near the 13th percentile for growth. Its roughly 270 residents per square mile place it 546th among Kansas's places. Between 2020 and 2023 the count changed by roughly 5 residents.

Kansas consumer-lending rules applied in Garfield

These are Kansas's sourced lending facts as they reach Garfield's 145 residents; the state has no city-level rate rule.