Personal loans in Kim, CO

A personal loan in Kim is priced from your credit file and income, not from the fact that the city holds 63 people. The 2020 count to the 2023 estimate shows about 1.6% growth in Kim.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 63 people live in Kim, placing it 263rd of 270 Census places in Colorado. Verify the lender's Colorado licence against the regulator named below before borrowing in Kim. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Kim's 63 residents. The nearest larger metro is Pritchett, CO about 28 miles away.

Where Kim stands

Most of what governs a Kim loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

The Kim borrowing checklist

Complete these steps first when you borrow in Kim (63 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the Colorado regulator's licence list.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Kim as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 63 residents.

Kim against the rest of Colorado

Against Colorado's other places, Kim accounts for about 0.0% of the state's population and ranks 263rd of 270 by size. For population change between 2020 and 2023, Kim ranks 88th of 270 in Colorado (about the 67th percentile). By density, at about 166 people per square mile, it ranks 257th in Colorado. By land area, its 0.4 square miles rank 222nd of 270 places in Colorado.

Land, water and location for Kim

The Census Gazetteer records about 0.4 square miles of land within Kim, with no significant water area listed. The resulting density is about 166 people per square mile. The state's population centre of gravity, Denver, is roughly 192 miles away. Kim has 4 larger places within a 50-mile radius. Within the same 50 miles lie 3 smaller Census places.

How Colorado law applies in Kim

When Colorado does not publish a figure, the row links to the source instead of inventing a number; Kim is bound by the same rules.

RuleDetailSource
State lending regulatorColorado Attorney General's Office — Consumer Credit Unit (Administrator of the Uniform Consumer Credit Code)
Source says: "The Consumer Credit Unit regulates (through licensure/registration programs) companies and individuals involved in consumer lending"; it "licenses non-bank lenders such as finance companies and payday lenders".
Colorado Attorney General — Consumer Protection Section
as of 2026-09-16
Payday lending statusPermitted but capped at 36% APR (Proposition 111, effective February 1, 2019)
Source says: "a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of thirty-six percent".
Colorado General Assembly — C.R.S. § 5-3.1-105 (Deferred Deposit Loan Act)
as of 2026-09-16
Small-loan / installment lender licensingSupervised lender license required from the UCCC Administrator (master license required for more than one place of business); deferred deposit lenders must hold a supervised lender's license
Source says: "if a supervised lender has more than one place of business, they must obtain a master license"; "no person shall engage in the business of deferred deposit loans without having first obtained a supervised lender's license" (C.R.S. § 5-3.1-116).
Colorado Attorney General — Uniform Consumer Credit Code licensing
as of 2026-09-16

How lenders reach Kim

With about 166 residents per square mile, Kim is lightly settled, and 4 larger Census places sit within 50 miles. Distance to a branch rarely matters for Kim's 63 residents: the application is online and the price follows your credit file. The nearest bigger place is Pritchett, CO about 28 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Kim 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 Kim is the same as anywhere in Colorado.
What loan size can I expect in Kim?
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 Kim?
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 Kim 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.

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