Personal loans in Cedaredge, CO
With roughly 2,410 residents, Cedaredge is a small community, and the lending rules its borrowers live under are written in Colorado, not by the city. At about 2,410 residents, Cedaredge is larger than roughly 60% of the places in Colorado.
A 2020-to-2023 comparison shows Cedaredge up by about 5.8%. Every figure below is Colorado's own, applied to Cedaredge's 2,410 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Cedaredge. For a bigger market, look to Orchard City, CO about 6 miles away.
What the Census records for Cedaredge
Here is the sourced Census picture for Cedaredge, plus the Colorado lending rules that apply to a loan taken out here.
- Population: 2,410 residents; Cedaredge is the 107th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: About 5.8% above the 2020 Census base.
- Net change: roughly 132 more people than the 2020 Census counted.
- Size percentile: about 60% of Colorado's Census places are smaller than Cedaredge.
- Land and density: 2.0 square miles of land carry roughly 1,229 residents per square mile.
- Land area rank: Cedaredge's 2.0 square miles rank 128th of 270 places in Colorado.
- State population share: Cedaredge accounts for about 0.1% of everyone in Colorado.
- National rank: Cedaredge is the 6,975th most populous of the 19,457 Census places covered here.
- Growth rank: Cedaredge ranks 43rd among Colorado's 270 places for the 2020-to-2023 change.
- Against the state trend: Cedaredge's 5.8% change compares with a Colorado average of +2.3% across its 270 places.
- Density in Colorado: Cedaredge ranks 120th by people per square mile.
- Density vs Colorado: Cedaredge's 1,229 people per square mile compare with a state median of 1,126.
- Location: 38.8941, -107.9255 (US Census Bureau Gazetteer).
- Nearest larger cities: Orchard City (6 mi); Delta (13 mi); Palisade (27 mi); Montrose (30 mi); Grand Junction (37 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Hotchkiss (13 mi); Paonia (18 mi); Olathe (20 mi).
- Within a 50-mile radius: 8 smaller Census places.
- At 100 miles: 23 larger Census places fall inside that radius.
Cedaredge on the map
Cedaredge covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,229 residents per square mile. The state's population centre of gravity, Denver, is roughly 173 miles away. A 50-mile radius around Cedaredge takes in 8 places that are larger. By land area it ranks 128th of 270 Colorado places.
How Colorado law applies in Cedaredge
Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Cedaredge 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 |
| 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 |
What shapes a Cedaredge personal loan
A Cedaredge personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,410 residents. The APR tracks your credit score rather than Cedaredge's rank of 107th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Cedaredge decides the split between a comfortable payment and the total interest you pay.
How Cedaredge compares across Colorado
Cedaredge is the 107th-largest of 270 Census places in Colorado and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Cedaredge stands 43rd among Colorado's 270 places — roughly the 84th percentile. By density, at about 1,229 people per square mile, it ranks 120th in Colorado. Within 50 miles sit 8 smaller Census places, alongside the 8 that are larger.
What is available to Cedaredge borrowers
At roughly 1,229 people per square mile, Cedaredge is moderately settled; 8 larger places lie within 50 miles. Whether Cedaredge has a local branch or not, a Colorado-licensed lender can serve its 2,410 people online on the same terms. The nearest bigger place is Orchard City, CO about 6 miles away.
Common questions
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Nearby places
- Orchard City, CO — population 3,251
- Delta, CO — population 9,599
- Hotchkiss, CO — population 929
- Olathe, CO — population 1,962
- Paonia, CO — population 1,459
- Collbran, CO — population 366
- Crawford, CO — population 407
- Montrose, CO — population 21,333