Personal loans in Kaw City, OK

The roughly 328 people who live in Kaw City borrow under Oklahoma rules; city hall sets no personal-loan rate. Kaw City ranks 366th of 590 places in Oklahoma, with a population near 328.

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

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The nearest larger city is Shidler, OK about 11 miles away. Kaw City added about 1.5% to its population between the 2020 base and the 2023 estimate. Consumer lending that reaches Kaw City's 328 residents is governed by Oklahoma statute; no city ordinance changes it. Judge Kaw City offers on total cost, not on how quickly the money arrives.

The Kaw City data picture

Read the local figures below as context; read the sourced Oklahoma table as the rulebook a lender here must follow.

Population: about 328, ranked 366th of 590 places in Oklahoma (Census Vintage 2023 subcounty estimate).
Population trend: Roughly 1.5% more residents than the 2020 Census counted.
Net change: roughly 5 more people than the 2020 Census counted.
Size percentile: Kaw City's 328 people outrank roughly 38% of the places in Oklahoma.
Population density: 109 people per square mile on 3.0 square miles of land.
By land area: Kaw City ranks 189th among Oklahoma's 590 places, at 3.0 sq mi.
Water area rank: Kaw City ranks 6th among Oklahoma's 590 places, with 3.11 sq mi.
State population share: Kaw City accounts for about 0.0% of everyone in Oklahoma.
National rank: Kaw City is the 14,805th most populous of the 19,457 Census places covered here.
Growth rank: Kaw City ranks 220th among Oklahoma's 590 places for the 2020-to-2023 change.
Against the state trend: Kaw City's 1.5% change compares with a Oklahoma average of +1.3% across its 590 places.
Density rank: Kaw City is the 519th most densely settled place in Oklahoma.
Density vs Oklahoma: Kaw City's 109 people per square mile compare with a state median of 546.
Location: latitude 36.7667, longitude -96.8618 (Census Gazetteer).
Nearest larger cities: Shidler (11 mi); Ponca City (12 mi); Newkirk (13 mi); Fairfax (16 mi); Parkerfield (22 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller towns: Webb City (9 mi); Burbank (9 mi); Kildare (11 mi) — useful context for the surrounding area.
Smaller neighbours: 32 places smaller than Kaw City sit within 50 miles.
Larger places within 100 miles: 202.

Land, water and location for Kaw City

Kaw City's land area is about 3.0 square miles; a further 3.11 square miles is water. That land carries about 109 people per square mile. The state's population centre of gravity, Oklahoma City, is roughly 97 miles away. Counting outward 50 miles, 34 larger communities surround Kaw City. Within the same 50 miles lie 32 smaller Census places.

How Oklahoma law applies in Kaw City

This table holds the Oklahoma rate and licensing rules for consumer loans made to Kaw City's 328 residents.

Rule	Detail	Source
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

The anatomy of a Kaw City personal loan

A Kaw City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 328 residents. A lender serving Kaw City's 328 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Kaw City decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Kaw City

Kaw City is lightly settled, with about 109 people per square mile and 34 larger places within 50 miles. A Oklahoma licence lets a lender serve Kaw City without a local office, so branch density does not change what its 328 residents are offered. The nearest bigger place is Shidler, OK about 11 miles away.

Before you apply in Kaw City

Complete these steps first when you borrow in Kaw City (328 residents):

Pull your credit reports first and correct any error before a lender sees the file.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Make sure the lender appears in the Oklahoma regulator's licence list.
Check that the monthly payment fits your budget next to your existing obligations.
Pick the shortest term whose payment you can comfortably afford.
Keep the amount to the expense; an approval is not a reason to take more.

What differs between Kaw City and the rest of Oklahoma is not the process but the borrower's own file, among the 328 people here.

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Common questions

What are my options in Kaw City 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 Kaw City is the same as anywhere in Oklahoma.

What loan size can I expect in Kaw City?

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 Kaw City?

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 Kaw City 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

Burbank, OK — population 124
Webb City, OK — population 60
Kildare, OK — population 88
Shidler, OK — population 329
Ponca City, OK — population 24,306
Newkirk, OK — population 2,176
Fairfax, OK — population 1,103
Grainola, OK — population 32