Personal loans in Aspen, CO

Census figures put the 2020-to-2023 decrease in Aspen at about 5.6%. Roughly 6,612 residents live in Aspen, the 69th-largest community in Colorado.

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

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With roughly 6,612 residents, Aspen is a small town, and the lending rules its borrowers live under are written in Colorado, not by the city. Read the disclosure for an origination fee and any prepayment penalty before signing in Aspen. For the 6,612 people in Aspen, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The next larger city is Carbondale, CO about 25 miles away.

Borrowing in Aspen: the local picture

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

Population: 6,612 residents; Aspen is the 69th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Lower by roughly 5.6% since the 2020 count.
Absolute change: 390 residents lost between 2020 and 2023.
Size percentile: Aspen's 6,612 people outrank roughly 74% of the places in Colorado.
Density: roughly 1,712 residents per square mile, spread over 3.9 sq mi of land.
By land area: Aspen ranks 85th among Colorado's 270 places, at 3.9 sq mi.
Share of Colorado: Aspen holds about 0.2% of the state's population, some 6,612 people.
National rank: Aspen sits 4,127th by population among the 19,457 places in this dataset.
Growth rank: Aspen ranks 257th among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Aspen's 5.6%.
Density rank: Aspen places 66th among Colorado's places by people per square mile.
Density in context: Aspen's 1,712 people per square mile sit against a Colorado median of 1,126.
Location: 39.1952 / -106.8368, per the US Census Bureau Gazetteer.
Nearest larger cities: Carbondale (25 mi); Gypsum (30 mi); Eagle (31 mi); Glenwood Springs (36 mi); Gunnison (45 mi). Online lenders reach Aspen no matter how far the nearest branch is.
Smaller communities within reach: Snowmass Village (6 mi); Basalt (16 mi); Marble (21 mi).
Smaller neighbours: 20 places smaller than Aspen sit within 50 miles.
Within 100 miles: 14 places are larger than Aspen.

Aspen: area, density and distance

Inside Aspen's boundaries lie about 3.9 square miles of land, with no significant water area recorded. The resulting density is about 1,712 people per square mile. Denver, the largest place in Colorado, is about 111 miles from Aspen. A 50-mile radius around Aspen takes in 5 places that are larger. Within the same 50 miles lie 20 smaller Census places.

Where Aspen sits in Colorado

Within Colorado, Aspen holds roughly 0.2% of all residents, the 69th-largest share among 270 places. For population change between 2020 and 2023, Aspen ranks 257th of 270 in Colorado (about the 5th percentile). By density, at about 1,712 people per square mile, it ranks 66th in Colorado. In land area, Aspen ranks 85th among Colorado's 270 places.

What shapes a Aspen personal loan

A Aspen personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,612 residents. The APR tracks your credit score rather than Aspen's rank of 69th 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 Aspen loan but raises total interest, so the smallest payment is not the cheapest loan.

The state rulebook for Aspen

For the roughly 6,612 residents of Aspen, the rules below are Colorado's own; each row carries its publisher and retrieval date.

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

The Aspen borrowing checklist

Complete these steps first when you borrow in Aspen (6,612 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.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Colorado regulator's records to confirm the lender is licensed here.
Pick the shortest term whose payment you can comfortably afford.
Borrow only what the purpose requires, not the maximum you are offered.
Decide the purpose and how you will repay it before approaching any lender.

In Aspen as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 6,612 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Aspen?

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 Aspen?

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 Aspen 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

Snowmass Village, CO — population 3,011
Basalt, CO — population 4,005
Mount Crested Butte, CO — population 961
Crested Butte, CO — population 1,658
Marble, CO — population 132
Carbondale, CO — population 6,708
Gypsum, CO — population 8,833
Eagle, CO — population 7,391