Personal loans in Alma, CO

Two households in Alma with comparable incomes can still be offered different rates; the city's 312 residents are not the reason. Alma ranks 215th of 270 places in Colorado, with a population near 312.

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.

The nearest larger city is Fairplay, CO about 6 miles away. Population in Alma climbed about 5.4% over the three years from 2020 to 2023. To lend to Alma's 312 residents, a company must hold a Colorado licence, and each sourced row below names the regulator behind it. For a community of about 312, the practical step is to compare APR across at least three lenders before committing.

Alma by the numbers

What follows is Alma's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

Population: 312 — Alma ranks 215th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: A rise of about 5.4% from 2020 to 2023.
Net change: roughly 16 more people than the 2020 Census counted.
Size percentile: Alma sits ahead of around 20% of Colorado places, at 312 people.
Population density: about 719 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Alma ranks 212th among Colorado's 270 places, at 0.4 sq mi.
Share of Colorado: Alma holds about 0.0% of the state's population, some 312 people.
National standing: Alma ranks 14,980th of 19,457 US places.
Growth in Colorado: Alma stands 47th by percentage change from 2020 to 2023, among 270 places.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Alma's 5.4%.
Density rank: Alma is the 181st most densely settled place in Colorado.
Density vs Colorado: Alma's 719 people per square mile compare with a state median of 1,126.
Location: the Census Gazetteer records it at 39.2861, -106.0689.
Nearest larger cities: Fairplay (6 mi); Blue River (11 mi); Leadville (12 mi); Breckenridge (15 mi); Frisco (20 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller towns: Red Cliff (22 mi); Montezuma (23 mi); Silver Plume (34 mi).
Smaller places within 50 miles: 4 of them.
Within 100 miles: 115 places are larger than Alma.

The anatomy of a Alma personal loan

With roughly 312 residents, Alma is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Alma. Because the payment is fixed, the total cost of a Alma loan is knowable in advance — unlike a revolving card balance.

What Colorado law requires in Alma

Colorado has no separate rate rule for Alma; the sourced rows below are what reach every lender that serves its 312 people.

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

Where Alma sits in Colorado

Against Colorado's other places, Alma accounts for about 0.0% of the state's population and ranks 215th of 270 by size. Its 2020-to-2023 change ranks 47th of 270 Colorado places, putting it near the 83th percentile for growth. Its roughly 719 residents per square mile place it 181st among Colorado's places. Between 2020 and 2023 the count changed by roughly 16 residents.

A pre-application checklist for Alma

Before you apply in Alma, a community of about 312, work through these steps:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Price the payment first with our personal loan calculator before any lender quotes you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Confirm the lender holds a Colorado licence by checking the regulator named above.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Alma-specific: the same Colorado licensing and disclosure rules reach all 312 residents.

How lenders reach Alma

At roughly 719 people per square mile, Alma is moderately settled; 20 larger places lie within 50 miles. Whether Alma has a local branch or not, a Colorado-licensed lender can serve its 312 people online on the same terms. For a larger market, the closest option is Fairplay, CO about 6 miles away.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Alma?

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 Alma?

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 Alma 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

Fairplay, CO — population 738
Blue River, CO — population 852
Breckenridge, CO — population 4,940
Leadville, CO — population 2,628
Frisco, CO — population 2,763
Dillon, CO — population 1,016
Montezuma, CO — population 72
Silverthorne, CO — population 4,940