Kiowa at a glance
- Population: a Census-estimated 869, placing it 212th among Kansas's 625 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 903 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.8% below the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 212th-largest of 625 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 66% of Kansas's Census places by population (US Census Bureau).
- Coordinates: it sits at 37.0174, -98.4848 in the US Census Bureau Gazetteer.
- Nearest larger cities: Alva, OK (19 mi); Medicine Lodge, KS (19 mi); Cherokee, OK (20 mi); Anthony, KS (26 mi); Harper, KS (31 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Hazelton, KS (7 mi); Burlington, OK (9 mi); Hardtner, KS (9 mi) — US Census Bureau populations.
What a personal loan costs in Kiowa
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kansas lending rules that apply in Kiowa
Each row below is a Kansas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Payday lending status | Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Supervised lender license required (supervised loans) Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| State lending regulator | Kansas 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 caps | 36% 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 |
How to compare offers in Kiowa
The steps below are worth completing first when you borrow in Kiowa:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kansas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.