Personal loans in Breckenridge, CO

Breckenridge is a small community of about 4,940 residents, and a personal loan taken out here is governed by Colorado statute. By population, Breckenridge sits at 79th in Colorado, with an estimated 4,940 residents. The next larger city is Avon, CO about 27 miles away. Census figures put the 2020-to-2023 decrease in Breckenridge at about 2.7%. Every figure below is Colorado's own, applied to Breckenridge's 4,940 residents, with the publisher and retrieval date attached. Judge Breckenridge offers on total cost, not on how quickly the money arrives.

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

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Local context for Breckenridge

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

Population: 4,940 people, a figure that places Breckenridge 79th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Down about 2.7% from the 2020 Census base to the 2023 estimate.
Change in people: the 2020-to-2023 comparison is a loss of about 138 residents.
Size percentile: roughly 71% of Colorado places rank below Breckenridge.
Population density: 817 people per square mile on 6.0 square miles of land.
Land area: Breckenridge covers 6.0 square miles, the 70th-largest area among Colorado's 270 places.
Share of state population: Breckenridge's 4,940 residents are about 0.1% of Colorado.
Nationally: Breckenridge is the 4,865th-largest of 19,457 Census places in the dataset.
Growth rank: Breckenridge ranks 210th among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Breckenridge's 2.7%.
Density rank: Breckenridge places 172nd among Colorado's places by people per square mile.
Density in context: Breckenridge's 817 people per square mile sit against a Colorado median of 1,126.
Location: the Census Gazetteer records it at 39.4995, -106.0432.
Nearest larger cities: Avon (27 mi); Eagle (43 mi); Aspen (47 mi); Golden (47 mi); Gypsum (49 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places nearby: Blue River (4 mi); Frisco (6 mi); Dillon (9 mi).
Within a 50-mile radius: 25 smaller Census places.
At 100 miles: 63 larger Census places fall inside that radius.

What Colorado law requires in Breckenridge

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Breckenridge lender must follow.

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
Maximum legal interest rate (usury cap)	UCCC finance-charge ceilings: 12% per year on non-supervised consumer loans; supervised loans 36% on the first $1,000, 21% on $1,000–$3,000, 15% above $3,000 (or 21% flat); 21% on revolving accounts Source says: "not exceeding twelve percent per year on the unpaid balance of the amount financed"; "Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less"; "Twenty-one percent per year on the unpaid balances of the amount financed".	Colorado General Assembly — C.R.S. § 5-2-201 (Colorado Revised Statutes 2024, Title 5) 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

The Breckenridge borrowing checklist

These steps shape the offer you get in Breckenridge, a place of about 4,940 people:

Pull your credit reports first and correct any error before a lender sees the file.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the Colorado regulator's licence list.
Borrow only what the purpose requires, not the maximum you are offered.
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.

In Breckenridge as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 4,940 residents.

Breckenridge's place among Colorado's 270 places

Breckenridge is the 79th-largest of 270 Census places in Colorado and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Breckenridge stands 210th among Colorado's 270 places — roughly the 22th percentile. At about 817 people per square mile, Breckenridge is the 172nd most densely settled place in Colorado. The population moved by about 138 people between 2020 and 2023, a 2.7% shift.

Where Breckenridge sits

Inside Breckenridge's boundaries lie about 6.0 square miles of land, with no significant water area recorded. Spread across it are roughly 817 residents per square mile. For the state's biggest city, Denver, the distance is roughly 64 miles. Breckenridge has 5 larger places within a 50-mile radius. The 100-mile radius contains 63 larger places.

What shapes a Breckenridge personal loan

With roughly 4,940 residents, Breckenridge is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Breckenridge's 4,940 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Breckenridge loan is knowable in advance — unlike a revolving card balance.

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Common questions

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

What loan size can I expect in Breckenridge?

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 Breckenridge?

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 Breckenridge 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

Blue River, CO — population 852
Frisco, CO — population 2,763
Dillon, CO — population 1,016
Silverthorne, CO — population 4,940
Montezuma, CO — population 72
Alma, CO — population 312
Fairplay, CO — population 738
Red Cliff, CO — population 243