Personal loans in Antonito, CO

A lender that serves Antonito operates under Colorado lending statutes and a Colorado supervisor. Antonito is a small community in Colorado, with an estimated 622 residents, and every licensed lender here follows the same state rulebook.

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

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Roughly 622 residents live in Antonito, the 180th-largest community in Colorado. Antonito lost roughly 3.0% of its population across the 2020-to-2023 comparison. Judge Antonito offers on total cost, not on how quickly the money arrives. For a bigger market, look to Manassa, CO about 8 miles away.

Antonito by the numbers

Here is the sourced Census picture for Antonito, plus the Colorado lending rules that apply to a loan taken out here.

Population: 622 people, a figure that places Antonito 180th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: A decline of about 3.0% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
Size percentile: roughly 33% of Colorado places rank below Antonito.
Population density: about 1,457 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Antonito ranks 213th among Colorado's 270 places, at 0.4 sq mi.
State population share: Antonito accounts for about 0.0% of everyone in Colorado.
National rank: Antonito sits 12,273rd by population among the 19,457 places in this dataset.
Growth rank: Antonito ranks 215th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Antonito's 3.0% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Antonito places 89th among Colorado's places by people per square mile.
Density vs Colorado: Antonito's 1,457 people per square mile compare with a state median of 1,126.
Location: the Census Gazetteer records it at 37.0762, -106.0103.
Nearest larger cities: Manassa (8 mi); Sanford (14 mi); La Jara (14 mi); Alamosa (28 mi); Questa (34 mi). Lenders licensed in the state serve Antonito whether or not they keep a local branch.
Smaller places nearby: Romeo (7 mi); Blanca (37 mi); Red River (41 mi).
Within a 50-mile radius: 5 smaller Census places.
At 100 miles: 25 larger Census places fall inside that radius.

What Colorado law requires in Antonito

The rows below set out what a licensed lender must follow in Colorado, and so for Antonito's roughly 622 residents.

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

How lenders reach Antonito

Antonito is moderately settled, with about 1,457 people per square mile and 9 larger places within 50 miles. Distance to a branch rarely matters for Antonito's 622 residents: the application is online and the price follows your credit file. The nearest larger city, Manassa, CO about 8 miles away.

Steps to take before a Antonito loan

Complete these steps first when you borrow in Antonito (622 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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.
Confirm the Colorado licence with the regulator named above before committing.
Decide the purpose and how you will repay it before approaching any lender.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Antonito-specific: the same Colorado licensing and disclosure rules reach all 622 residents.

How personal loans work in Antonito

In Antonito, a small community of about 622, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Antonito's rank of 180th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Antonito loan but raises total interest, so the smallest payment is not the cheapest loan.

Antonito in state context

Among Colorado's 270 places, Antonito sits at 180th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Antonito ranks 215th of 270 in Colorado (about the 20th percentile). Its roughly 1,457 residents per square mile place it 89th among Colorado's places. Within 50 miles sit 5 smaller Census places, alongside the 9 that are larger.

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Common questions

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

What loan size can I expect in Antonito?

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 Antonito?

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 Antonito 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

Romeo, CO — population 307
Manassa, CO — population 961
La Jara, CO — population 716
Sanford, CO — population 892
Alamosa, CO — population 9,883
Monte Vista, CO — population 4,070
Questa, NM — population 1,797
San Luis, CO — population 622