Personal loans in Kiowa, KS

Kiowa, Kansas — home to about 869 people — is a small community, so the terms you are offered follow Kansas law rather than any local rule. Population in Kiowa dropped about 3.8% over the three years from 2020 to 2023.

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

Compare loan offers Run the numbers first

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.

Kiowa ranks 212th of 625 places in Kansas, with a population near 869. Use the calculator on this page to price an amount and term before you commit in Kiowa. To lend to Kiowa's 869 residents, a company must hold a Kansas licence, and each sourced row below names the regulator behind it. The closest larger place is Alva, OK about 19 miles away.

Kiowa by the numbers

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

How personal loans work in Kiowa

With roughly 869 residents, Kiowa is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Kiowa lender to disclose the APR and finance charge before you sign. The term you choose in Kiowa decides the split between a comfortable payment and the total interest you pay.

Kansas rules behind a Kiowa personal loan

Read the table as a lender's compliance picture for Kiowa: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
UCCC consumer loan rate caps36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans)
Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

Lender access in Kiowa

With about 784 residents per square mile, Kiowa is moderately settled, and 11 larger Census places sit within 50 miles. Distance to a branch rarely matters for Kiowa's 869 residents: the application is online and the price follows your credit file. The nearest bigger place is Alva, OK about 19 miles away.

Where Kiowa sits in Kansas

Within Kansas, Kiowa holds roughly 0.0% of all residents, the 212th-largest share among 625 places. Its 2020-to-2023 change ranks 571st of 625 Kansas places, putting it near the 9th percentile for growth. Its roughly 784 residents per square mile place it 305th among Kansas's places. By land area, its 1.1 square miles rank 187th of 625 places in Kansas.

Kiowa: area, density and distance

The Census Gazetteer records about 1.1 square miles of land within Kiowa, with no significant water area listed. Spread across it are roughly 784 residents per square mile. The state's population centre of gravity, Wichita, is roughly 78 miles away. A 50-mile radius around Kiowa takes in 11 places that are larger. The 100-mile radius contains 84 larger places.

Compare personal loan offers Run the numbers first

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 Kansas.
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

Related