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.
What the Census records for Kiowa
Kiowa is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 740 residents; Kiowa is the 168th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.2%.
- Net change: roughly 9 more people than the 2020 Census counted.
- Size percentile: roughly 38% of Colorado places rank below Kiowa.
- Population density: about 865 people per square mile (Census land area 0.9 sq mi).
- Land area: Kiowa covers 0.9 square miles, the 175th-largest area among Colorado's 270 places.
- Share of Colorado: Kiowa holds about 0.0% of the state's population, some 740 people.
- National rank: Kiowa sits 11,529th by population among the 19,457 places in this dataset.
- Growth rank: Kiowa's 2020-to-2023 change ranks 96th of 270 places in Colorado.
- Versus Colorado: the state average change is +2.3%, while Kiowa moved 1.2%.
- Density in Colorado: Kiowa ranks 161st by people per square mile.
- Against the state median: Kiowa runs about 865 residents per square mile, where the Colorado median is 1,126.
- Location: 39.3436, -104.4581 (Census Gazetteer coordinates).
- Nearest larger cities: Elizabeth (8 mi); Parker (20 mi); Castle Rock (21 mi); Castle Pines (24 mi); Lone Tree (26 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Ramah (22 mi); Calhan (23 mi); Larkspur (24 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 9 smaller Census places.
- Within 100 miles: 99 places are larger than Kiowa.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Colorado 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 licensing | Supervised 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:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Colorado regulator's records to confirm the lender is licensed here.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- 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.
Common questions
What are my options in Kiowa if my credit is poor?
What loan size can I expect in Kiowa?
Do I have to pledge anything to borrow in Kiowa?
Does comparing loans in Kiowa cost me credit score points?
Nearby places
- Elizabeth, CO — population 2,477
- Calhan, CO — population 726
- Parker, CO — population 62,743
- Ramah, CO — population 106
- Castle Rock, CO — population 81,415
- Bennett, CO — population 3,549
- Foxfield, CO — population 735
- Simla, CO — population 620