Personal loans in City of Creede, CO

If you are weighing a personal loan in City of Creede, start from the payment you can carry; its 278 residents face the same statewide rules. City of Creede is one of 270 Census places in Colorado; its 278 residents put it at 221st.

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

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The trend for City of Creede between 2020 and 2023 is upward by roughly 6.9%. Which products a lender may offer to City of Creede's 278 residents follows from the Colorado consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a City of Creede loan. For a bigger market, look to South Fork, CO about 20 miles away.

City of Creede: population, trend and location

Here is the sourced Census picture for City of Creede, plus the Colorado lending rules that apply to a loan taken out here.

Population: the Census counts 278 residents in City of Creede (Vintage 2023 subcounty estimate), the 221st-largest figure among Colorado's 270 places.
Population trend: A gain of roughly 6.9% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 18 residents.
Size percentile: about 18% of Colorado's Census places are smaller than City of Creede.
Population density: 294 people per square mile on 0.9 square miles of land.
By land area: City of Creede ranks 166th among Colorado's 270 places, at 0.9 sq mi.
State share: roughly 0.0% of Colorado's residents live in City of Creede (278 people).
National rank: City of Creede is 15,374th of 19,457 places nationwide.
Growth rank: City of Creede ranks 38th among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against City of Creede's 6.9%.
Density in Colorado: City of Creede ranks 238th by people per square mile.
Against the state median: City of Creede runs about 294 residents per square mile, where the Colorado median is 1,126.
Location: the Census Gazetteer records it at 37.8486, -106.9251.
Nearest larger cities: South Fork (20 mi); Lake City (24 mi); Del Norte (33 mi); Silverton (40 mi); Pagosa Springs (41 mi). Lenders licensed in the state serve City of Creede whether or not they keep a local branch.
Smaller towns nearby: Ophir (49 mi); Moffat (56 mi); Pitkin (57 mi).
Smaller places within 50 miles: 1 of them.
At 100 miles: 51 larger Census places fall inside that radius.

Borrowing reach in City of Creede

City of Creede is lightly settled, with about 294 people per square mile and 12 larger places within 50 miles. Whether City of Creede has a local branch or not, a Colorado-licensed lender can serve its 278 people online on the same terms. The nearest larger city, South Fork, CO about 20 miles away.

A pre-application checklist for City of Creede

A sensible order of operations for a loan in City of Creede, home to about 278 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Model the payment on the calculator before a lender models it for you.
Shop at least three lenders and judge them on APR and total cost.
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.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between City of Creede and the rest of Colorado is not the process but the borrower's own file, among the 278 people here.

The state rulebook for City of Creede

Colorado has no separate rate rule for City of Creede; the sourced rows below are what reach every lender that serves its 278 people.

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
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
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

How a City of Creede personal loan is priced

A City of Creede personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 278 residents. Because pricing is borrower-level, two people in City of Creede can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a City of Creede loan is knowable in advance — unlike a revolving card balance.

Land, water and location for City of Creede

The Census Gazetteer records about 0.9 square miles of land within City of Creede, with no significant water area listed. That land carries about 294 people per square mile. For the state's biggest city, Denver, the distance is roughly 172 miles. Within 50 miles of City of Creede there are 12 larger Census places. By land area it ranks 166th of 270 Colorado places.

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Common questions

What are my options in City of Creede 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 City of Creede is the same as anywhere in Colorado.

What loan size can I expect in City of Creede?

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 City of Creede?

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 City of Creede 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

South Fork, CO — population 507
Lake City, CO — population 425
Pagosa Springs, CO — population 1,773
Del Norte, CO — population 1,413
Gunnison, CO — population 6,815
Silverton, CO — population 713
Ouray, CO — population 920
Saguache, CO — population 533