Personal loans in Kiowa, CO

Kiowa is home to roughly 740 people and stands 168th by size out of 270 Census places in Colorado. For a borrower among the roughly 740 residents of Kiowa, a personal loan is a tool whose cost turns on the terms, not the address. Population in Kiowa climbed about 1.2% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Kiowa lender. Rate ceilings, licensing requirements and product limits for Kiowa are all set at the Colorado level. Borrowers who want a bigger city can look to Elizabeth, CO about 8 miles away.

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.

What the Census records for Kiowa

Kiowa is a small community; the notes below cover its population profile and the statewide rules that apply.

The state rulebook for Kiowa

For the roughly 740 residents of Kiowa, the rules below are Colorado's own; each row carries its publisher and retrieval date.

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
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
Maximum legal interest rate (usury cap)UCCC finance-charge ceilings: 12% per year on non-supervised consumer loans; supervised loans 36% on the first $1,000, 21% on $1,000–$3,000, 15% above $3,000 (or 21% flat); 21% on revolving accounts
Source says: "not exceeding twelve percent per year on the unpaid balance of the amount financed"; "Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less"; "Twenty-one percent per year on the unpaid balances of the amount financed".
Colorado General Assembly — C.R.S. § 5-2-201 (Colorado Revised Statutes 2024, Title 5)
as of 2026-09-16

Land, water and location for Kiowa

Kiowa's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. With 740 residents, the land area yields roughly 865 people per square mile. Denver, the largest place in Colorado, is about 37 miles from Kiowa. Kiowa has 36 larger places within a 50-mile radius. Within the same 50 miles lie 9 smaller Census places.

Borrowing reach in Kiowa

Kiowa is moderately settled, with about 865 people per square mile and 36 larger places within 50 miles. A Colorado licence lets a lender serve Kiowa without a local office, so branch density does not change what its 740 residents are offered. The nearest larger city, Elizabeth, CO about 8 miles away.

A pre-application checklist for Kiowa

Before you apply in Kiowa, a community of about 740, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Colorado regulator's records to confirm the lender is licensed here.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Kiowa and the rest of Colorado is not the process but the borrower's own file, among the 740 people here.

Kiowa's place among Colorado's 270 places

Set beside Colorado's 270 places, Kiowa ranks 168th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 96th of 270 Colorado places, putting it near the 64th percentile for growth. Its roughly 865 residents per square mile place it 161st among Colorado's places. Within 50 miles sit 9 smaller Census places, alongside the 36 that are larger.

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 Kiowa 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 Kiowa is the same as anywhere in Colorado.
What loan size can I expect in Kiowa?
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 Kiowa?
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 Kiowa 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

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