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.
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.
- Population: an estimated 4,005 residents, 87th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 0.3% since the 2020 count.
- Net change: roughly 11 more people than the 2020 Census counted.
- Size percentile: about 68% of Colorado's Census places are smaller than Basalt.
- Population density: 1,980 people per square mile on 2.0 square miles of land.
- Land area: Basalt covers 2.0 square miles, the 126th-largest area among Colorado's 270 places.
- State population share: Basalt accounts for about 0.1% of everyone in Colorado.
- National rank: Basalt is 5,451st of 19,457 places nationwide.
- Growth in Colorado: Basalt stands 115th by percentage change from 2020 to 2023, among 270 places.
- Versus Colorado: the state average change is +2.3%, while Basalt moved 0.3%.
- Density rank: Basalt places 49th among Colorado's places by people per square mile.
- Density vs Colorado: Basalt's 1,980 people per square mile compare with a state median of 1,126.
- Location: it lies at 39.3686, -107.0488 in the Census Gazetteer.
- Nearest larger cities: Carbondale (9 mi); Aspen (16 mi); Gypsum (18 mi); Glenwood Springs (20 mi); Eagle (23 mi). Lenders licensed in the state serve Basalt whether or not they keep a local branch.
- Nearest smaller places: Snowmass Village (12 mi); Marble (22 mi); Mount Crested Butte (32 mi).
- Smaller neighbours: 10 places smaller than Basalt sit within 50 miles.
- Within 100 miles: 19 places are larger than Basalt.
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.
| 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 |
| 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 |
| 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 |
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.
Common questions
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Nearby places
- Carbondale, CO — population 6,708
- Snowmass Village, CO — population 3,011
- Gypsum, CO — population 8,833
- Aspen, CO — population 6,612
- Marble, CO — population 132
- Glenwood Springs, CO — population 10,250
- Eagle, CO — population 7,391
- Mount Crested Butte, CO — population 961