Personal loans in Carbondale, CO

Carbondale is home to roughly 6,708 people and stands 68th by size out of 270 Census places in Colorado. Population in Carbondale climbed about 4.2% over the three years from 2020 to 2023.

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

Compare loan offers Run the numbers first

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.

A lender serving Carbondale holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 6,708 residents. A single loan can carry different costs on either side of a state line, and Carbondale sits on the Colorado side of that line. Price two or three terms so you can see which payment is truly affordable in Carbondale. The closest larger city is Glenwood Springs, CO about 12 miles away.

The Carbondale data picture

Two layers matter for a Carbondale borrower: the local population picture and Colorado's consumer-lending statutes.

Population: about 6,708 people live here, which puts Carbondale 68th of 270 Census places in Colorado (Vintage 2023).
Population trend: Higher by roughly 4.2% since the 2020 count.
People gained or lost: about 269 more since the 2020 base.
Size percentile: about 75% of Colorado communities are smaller than Carbondale (6,708 residents).
Population density: about 3,231 people per square mile (Census land area 2.1 sq mi).
By land area: Carbondale ranks 123rd among Colorado's 270 places, at 2.1 sq mi.
State share: roughly 0.2% of Colorado's residents live in Carbondale (6,708 people).
National rank: Carbondale is the 4,100th most populous of the 19,457 Census places covered here.
Growth rank: Carbondale ranks 54th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Carbondale's 4.2% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Carbondale ranks 19th by people per square mile.
Density in context: Carbondale's 3,231 people per square mile sit against a Colorado median of 1,126.
Location: coordinates 39.3956, -107.2150 (US Census Bureau Gazetteer).
Nearest larger cities: Glenwood Springs (12 mi); Gypsum (21 mi); Eagle (27 mi); Rifle (31 mi); Gunnison (61 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller places: Basalt (9 mi); Snowmass Village (19 mi); New Castle (21 mi).
Within a 50-mile radius: 16 smaller Census places.
Larger places within 100 miles: 11.

Carbondale's place among Colorado's 270 places

Among Colorado's 270 places, Carbondale sits at 68th for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Carbondale stands 54th among Colorado's 270 places — roughly the 80th percentile. At about 3,231 people per square mile, Carbondale is the 19th most densely settled place in Colorado. The population moved by about 269 people between 2020 and 2023, a 4.2% shift.

The state rulebook for Carbondale

The rows below set out what a licensed lender must follow in Colorado, and so for Carbondale's roughly 6,708 residents.

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 geography behind Carbondale

Carbondale covers about 2.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 3,231 people per square mile. For the state's biggest city, Denver, the distance is roughly 127 miles. Within 50 miles of Carbondale there are 4 larger Census places. Within the same 50 miles lie 16 smaller Census places.

What is available to Carbondale borrowers

With about 3,231 residents per square mile, Carbondale is fairly dense, and 4 larger Census places sit within 50 miles. Distance to a branch rarely matters for Carbondale's 6,708 residents: the application is online and the price follows your credit file. The nearest larger city, Glenwood Springs, CO about 12 miles away.

Steps to take before a Carbondale loan

A sensible order of operations for a loan in Carbondale, home to about 6,708 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Price the payment first with our personal loan calculator before any lender quotes you.
Line up several pre-qualified offers and let the APR decide.
Confirm the Colorado licence with the regulator named above before committing.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Colorado; what changes is your credit file, not the fact that Carbondale holds 6,708 people.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Carbondale?

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 Carbondale?

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 Carbondale 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

Basalt, CO — population 4,005
Glenwood Springs, CO — population 10,250
Snowmass Village, CO — population 3,011
Marble, CO — population 132
Gypsum, CO — population 8,833
New Castle, CO — population 4,866
Aspen, CO — population 6,612
Silt, CO — population 3,697