Personal loans in Burlington, CO

For a borrower among the roughly 3,128 residents of Burlington, a personal loan is a tool whose cost turns on the terms, not the address. Use the calculator on this page to price an amount and term before you commit in Burlington.

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

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The Census estimates 3,128 residents in Burlington, which ranks it 94th of 270 places in Colorado. Consumer lending that reaches Burlington's 3,128 residents is governed by Colorado statute; no city ordinance changes it. Census figures put the 2020-to-2023 decrease in Burlington at about 1.5%. Borrowers who want a bigger city can look to Goodland, KS about 30 miles away.

Burlington by the numbers

Set out below is Burlington's local context next to the state-level rules that reach every lender here.

Population: about 3,128, ranked 94th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: A drop of about 1.5% from 2020 to 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 47 residents.
Size percentile: roughly 65% of Colorado places rank below Burlington.
Density: roughly 1,457 residents per square mile, spread over 2.1 sq mi of land.
Land area rank: Burlington's 2.1 square miles rank 120th of 270 places in Colorado.
Share of Colorado: Burlington holds about 0.1% of the state's population, some 3,128 people.
National standing: Burlington ranks 6,144th of 19,457 US places.
Growth in Colorado: Burlington stands 168th by percentage change from 2020 to 2023, among 270 places.
Versus Colorado: the state average change is +2.3%, while Burlington moved 1.5%.
Density rank: Burlington places 88th among Colorado's places by people per square mile.
Density vs Colorado: Burlington's 1,457 people per square mile compare with a state median of 1,126.
Location: coordinates 39.3042, -102.2714 (US Census Bureau Gazetteer).
Nearest larger cities: Goodland (30 mi); Yuma (61 mi); Colby (66 mi); Lamar (87 mi); Scott City (93 mi). For most borrowers the comparison happens online, not at a branch.
Smaller communities close by: Bethune (8 mi); Kanorado (13 mi); Stratton (18 mi), each with its own Census population profile.
Smaller neighbours: 13 places smaller than Burlington sit within 50 miles.
Larger places within 100 miles: 6.

How a Burlington personal loan is priced

With roughly 3,128 residents, Burlington is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Burlington's 3,128 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Burlington decides the split between a comfortable payment and the total interest you pay.

Where Burlington sits

Burlington's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,457 people per square mile. The largest place in Colorado, Denver, lies about 143 miles away. Burlington has 1 larger places within a 50-mile radius. By land area it ranks 120th of 270 Colorado places.

Colorado consumer-lending rules applied in Burlington

For the roughly 3,128 residents of Burlington, the rules below are Colorado's own; each row carries its publisher and retrieval 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
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

Burlington's place among Colorado's 270 places

Within Colorado, Burlington holds roughly 0.1% of all residents, the 94th-largest share among 270 places. For population change between 2020 and 2023, Burlington ranks 168th of 270 in Colorado (about the 38th percentile). At about 1,457 people per square mile, Burlington is the 88th most densely settled place in Colorado. Between 2020 and 2023 the count changed by roughly 47 residents.

Before you apply in Burlington

Before you hand your details to a lender in Burlington, where the population is near 3,128:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Look the lender up in the Colorado regulator's licence records before you sign.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Check the disclosure for fees that raise the true cost above the quoted rate.
Make sure the new payment leaves room in a budget you already keep.

What differs between Burlington and the rest of Colorado is not the process but the borrower's own file, among the 3,128 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Burlington?

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 Burlington?

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 Burlington 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

Bethune, CO — population 181
Kanorado, KS — population 150
Stratton, CO — population 646
Vona, CO — population 90
Cheyenne Wells, CO — population 722
Goodland, KS — population 4,403
Seibert, CO — population 176
Sharon Springs, KS — population 751