Personal loans in Basalt, CO

Lenders active in Basalt report to a Colorado supervisor, identified in the sourced rows below. Personal loans in Basalt are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 4,005 population.

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

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.

Basalt is home to roughly 4,005 people and stands 87th by size out of 270 Census places in Colorado. The trend for Basalt between 2020 and 2023 is upward by roughly 0.3%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Basalt's 4,005 residents are no exception. The next larger city is Carbondale, CO about 9 miles away.

Where Basalt stands

The figures below are Basalt's own — Census population, land area and coordinates — followed by the Colorado rules.

Where Basalt sits in Colorado

Within Colorado, Basalt holds roughly 0.1% of all residents, the 87th-largest share among 270 places. Its 2020-to-2023 change ranks 115th of 270 Colorado places, putting it near the 57th percentile for growth. By density, at about 1,980 people per square mile, it ranks 49th in Colorado. In land area, Basalt ranks 126th among Colorado's 270 places.

Colorado rules behind a Basalt personal loan

Colorado has no separate rate rule for Basalt; the sourced rows below are what reach every lender that serves its 4,005 people.

RuleDetailSource
State lending regulatorColorado 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
Payday lending statusPermitted 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
Small-loan / installment lender licensingSupervised 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

Borrowing reach in Basalt

With about 1,980 residents per square mile, Basalt is moderately settled, and 9 larger Census places sit within 50 miles. What is available to Basalt's 4,005 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Carbondale, CO about 9 miles away.

How personal loans work in Basalt

With roughly 4,005 residents, Basalt is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Basalt's rank of 87th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Basalt decides the split between a comfortable payment and the total interest you pay.

Basalt: area, density and distance

Basalt covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 4,005 residents, the land area yields roughly 1,980 people per square mile. For the state's biggest city, Denver, the distance is roughly 119 miles. Within 50 miles of Basalt there are 9 larger Census places. Within the same 50 miles lie 10 smaller Census places.

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.

Common questions

What are my options in Basalt 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 Basalt is the same as anywhere in Colorado.
What loan size can I expect in Basalt?
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 Basalt?
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 Basalt 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.

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