Personal loans in Aguilar, CO

By population, Aguilar sits at 199th in Colorado, with an estimated 449 residents. Aguilar shed about 1.1% of its population between the 2020 base and the 2023 estimate.

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.

A personal loan in Aguilar is priced from your credit file and income, not from the fact that the city holds 449 people. State law, not city hall, decides what a lender may do to Aguilar's roughly 449 residents, and a state regulator supervises it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Aguilar loan. The closest larger place is Walsenburg, CO about 17 miles away.

Aguilar: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Population: an estimated 449 residents, 199th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: Down about 1.1% from the 2020 Census base to the 2023 estimate.
Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
Size percentile: bigger than about 26% of the places in Colorado, with 449 residents in Aguilar.
Population density: about 1,145 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area rank: Aguilar's 0.4 square miles rank 217th of 270 places in Colorado.
Within Colorado: about 0.0% of the state's population lives in Aguilar.
National rank: Aguilar sits 13,604th by population among the 19,457 places in this dataset.
Growth rank: Aguilar ranks 151st among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Aguilar's 1.1%.
Density in Colorado: Aguilar ranks 132nd by people per square mile.
Density in context: Aguilar's 1,145 people per square mile sit against a Colorado median of 1,126.
Location: the Census Gazetteer records it at 37.4036, -104.6550.
Nearest larger cities: Walsenburg (17 mi); Trinidad (18 mi); La Veta (21 mi); Raton (38 mi); San Luis (44 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities close by: Cokedale (18 mi); Starkville (21 mi); Rye (39 mi), each with its own Census population profile.
Smaller places within 50 miles: 4 of them.
Within 100 miles: 35 places are larger than Aguilar.

The anatomy of a Aguilar personal loan

With roughly 449 residents, Aguilar is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Aguilar's 449 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Aguilar loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Aguilar borrowers

A sensible order of operations for a loan in Aguilar, home to about 449 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Make sure the lender appears in the Colorado regulator's licence list.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Aguilar and the rest of Colorado is not the process but the borrower's own file, among the 449 people here.

Where Aguilar sits in Colorado

Aguilar is the 199th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. For population change between 2020 and 2023, Aguilar ranks 151st of 270 in Colorado (about the 44th percentile). At about 1,145 people per square mile, Aguilar is the 132nd most densely settled place in Colorado. Within 50 miles sit 4 smaller Census places, alongside the 5 that are larger.

The geography behind Aguilar

The Census Gazetteer records about 0.4 square miles of land within Aguilar, with no significant water area listed. The resulting density is about 1,145 people per square mile. The largest place in Colorado, Denver, lies about 163 miles away. Counting outward 50 miles, 5 larger communities surround Aguilar. The 100-mile radius contains 35 larger places.

What Colorado law requires in Aguilar

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Aguilar lender must follow.

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
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
Payday lending status	Permitted 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

Compare personal loan offers Run the numbers first

Common questions

What are my options in Aguilar 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 Aguilar is the same as anywhere in Colorado.

What loan size can I expect in Aguilar?

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 Aguilar?

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 Aguilar 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

Walsenburg, CO — population 3,085
Cokedale, CO — population 127
Trinidad, CO — population 8,216
Starkville, CO — population 65
La Veta, CO — population 878
Raton, NM — population 5,978
Rye, CO — population 203
San Luis, CO — population 622