Personal loans in Black Hawk, CO

A personal loan in Black Hawk is priced from your credit file and income, not from the fact that the city holds 128 people. The 2020-to-2023 change in Black Hawk is negligible, under a tenth of a percent.

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.

With an estimated 128 residents, Black Hawk is the 247th-largest of 270 places in Colorado. Price two or three terms so you can see which payment is truly affordable in Black Hawk. A lender that serves Black Hawk operates under Colorado lending statutes and a Colorado supervisor. A larger market lies at Central, CO about 1 miles away.

The Black Hawk data picture

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

Colorado rules behind a Black Hawk personal loan

Colorado has no separate rate rule for Black Hawk; the sourced rows below are what reach every lender that serves its 128 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

Black Hawk: area, density and distance

Black Hawk covers about 3.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 41 residents per square mile. The state's population centre of gravity, Denver, is roughly 33 miles away. Black Hawk has 69 larger places within a 50-mile radius. By land area it ranks 101st of 270 Colorado places.

Getting a loan in Black Hawk

With about 41 residents per square mile, Black Hawk is sparsely settled, and 69 larger Census places sit within 50 miles. Distance to a branch rarely matters for Black Hawk's 128 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Central, CO about 1 miles away.

How Black Hawk compares across Colorado

Within Colorado, Black Hawk holds roughly 0.0% of all residents, the 247th-largest share among 270 places. On the 2020-to-2023 trend, Black Hawk stands 119th among Colorado's 270 places — roughly the 56th percentile. At about 41 people per square mile, Black Hawk is the 270th most densely settled place in Colorado. By land area, its 3.1 square miles rank 101st of 270 places in Colorado.

What shapes a Black Hawk personal loan

A Black Hawk personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 128 residents. Because pricing is borrower-level, two people in Black Hawk can be quoted different APRs on the same amount and term. Shortening the term on a Black Hawk loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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 Black Hawk 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 Black Hawk is the same as anywhere in Colorado.
What loan size can I expect in Black Hawk?
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 Black Hawk?
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 Black Hawk 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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