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.

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

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 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.

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.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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 licensingSupervised 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.

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.

Common questions

What are my options in Cedaredge 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 Cedaredge is the same as anywhere in Colorado.
What loan size can I expect in Cedaredge?
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 Cedaredge?
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 Cedaredge 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.

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