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.
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.
- Population: 128 — Black Hawk ranks 247th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: Black Hawk sits ahead of around 9% of Colorado places, at 128 people.
- Land and density: 3.1 square miles of land carry roughly 41 residents per square mile.
- By land area: Black Hawk ranks 101st among Colorado's 270 places, at 3.1 sq mi.
- State share: roughly 0.0% of Colorado's residents live in Black Hawk (128 people).
- National rank: Black Hawk is 17,627th of 19,457 places nationwide.
- Growth in Colorado: Black Hawk stands 119th by percentage change from 2020 to 2023, among 270 places.
- Against the state trend: Black Hawk's 0.0% change compares with a Colorado average of +2.3% across its 270 places.
- Density rank: Black Hawk places 270th among Colorado's places by people per square mile.
- Density vs Colorado: Black Hawk's 41 people per square mile compare with a state median of 1,126.
- Location: latitude 39.8016, longitude -105.4935 (Census Gazetteer).
- Nearest larger cities: Central (1 mi); Idaho Springs (4 mi); Empire (10 mi); Nederland (11 mi); Georgetown (12 mi). Lenders licensed in the state serve Black Hawk whether or not they keep a local branch.
- Smaller towns nearby: Ward (19 mi); Lakeside (23 mi); Montezuma (25 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 130 larger Census places fall inside that radius.
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.
| 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 |
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.
Common questions
What are my options in Black Hawk if my credit is poor?
What loan size can I expect in Black Hawk?
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Does comparing loans in Black Hawk cost me credit score points?
Nearby places
- Central, CO — population 778
- Idaho Springs, CO — population 1,708
- Nederland, CO — population 1,488
- Empire, CO — population 327
- Georgetown, CO — population 1,257
- Silver Plume, CO — population 194
- Ward, CO — population 126
- Golden, CO — population 20,242