Personal loans in Bethune, CO

Census figures put the 2020-to-2023 decrease in Bethune at about 0.5%. Bethune is home to roughly 181 people and stands 239th by size out of 270 Census places in Colorado.

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

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A lender serving Bethune holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 181 residents. Use the calculator on this page to price an amount and term before you commit in Bethune. A single loan can carry different costs on either side of a state line, and Bethune sits on the Colorado side of that line. The nearest larger city is Burlington, CO about 8 miles away.

Where Bethune stands

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Population: about 181 people live here, which puts Bethune 239th of 270 Census places in Colorado (Vintage 2023).
Population trend: A loss of roughly 0.5% between 2020 and 2023.
People gained or lost: about 1 fewer since the 2020 base.
Size percentile: with 181 residents, Bethune is larger than about 11% of Colorado's Census places.
Population density: 1,117 people per square mile on 0.2 square miles of land.
By land area: Bethune ranks 259th among Colorado's 270 places, at 0.2 sq mi.
State share: roughly 0.0% of Colorado's residents live in Bethune (181 people).
Nationally: Bethune is the 16,765th-largest of 19,457 Census places in the dataset.
Growth rank: Bethune's 2020-to-2023 change ranks 133rd of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Bethune moved 0.5%.
Density rank: Bethune is the 137th most densely settled place in Colorado.
Density vs Colorado: Bethune's 1,117 people per square mile compare with a state median of 1,126.
Location: latitude 39.3038, longitude -102.4234 (Census Gazetteer).
Nearest larger cities: Burlington (8 mi); Stratton (10 mi); Cheyenne Wells (34 mi); Flagler (34 mi); Goodland (38 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller towns nearby: Vona (17 mi); Kanorado (21 mi); Seibert (24 mi).
Smaller places within 50 miles: 3 of them.
Larger places within 100 miles: 49.

How personal loans work in Bethune

Most loans made to Bethune's 181 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Bethune loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Bethune loan but raises total interest, so the smallest payment is not the cheapest loan.

Bethune: area, density and distance

Bethune's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 181 residents, the land area yields roughly 1,117 people per square mile. The largest place in Colorado, Denver, lies about 135 miles away. Counting outward 50 miles, 9 larger communities surround Bethune. By land area it ranks 259th of 270 Colorado places.

Bethune against the rest of Colorado

Bethune is the 239th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. For population change between 2020 and 2023, Bethune ranks 133rd of 270 in Colorado (about the 51th percentile). At about 1,117 people per square mile, Bethune is the 137th most densely settled place in Colorado. The population moved by about 1 people between 2020 and 2023, a 0.5% shift.

The state rulebook for Bethune

Read the table as a lender's compliance picture for Bethune: the rule, the sourced figure, the publisher and the 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
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

Before you apply in Bethune

Before you hand your details to a lender in Bethune, where the population is near 181:

Pull your credit reports first and correct any error before a lender sees the file.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Colorado licence with the regulator listed on this page.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Colorado; what changes is your credit file, not the fact that Bethune holds 181 people.

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Common questions

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

What loan size can I expect in Bethune?

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 Bethune?

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 Bethune 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

Burlington, CO — population 3,128
Stratton, CO — population 646
Vona, CO — population 90
Kanorado, KS — population 150
Seibert, CO — population 176
Cheyenne Wells, CO — population 722
Flagler, CO — population 573
Kit Carson, CO — population 250