Personal loans in Coal Creek, CO

With roughly 367 residents, Coal Creek is a small community, and the lending rules its borrowers live under are written in Colorado, not by the city. Population in Coal Creek climbed about 1.9% over the three years from 2020 to 2023. By population, Coal Creek sits at 208th in Colorado, with an estimated 367 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Coal Creek. For the 367 people in Coal Creek, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Rockvale, CO about 1 miles away.

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.

What the Census records for Coal Creek

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

Land, water and location for Coal Creek

Coal Creek covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 307 people per square mile. Denver, the largest place in Colorado, is about 98 miles from Coal Creek. Within 50 miles of Coal Creek there are 14 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Where Coal Creek sits in Colorado

Coal Creek is the 208th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. For population change between 2020 and 2023, Coal Creek ranks 85th of 270 in Colorado (about the 69th percentile). By density, at about 307 people per square mile, it ranks 237th in Colorado. The population moved by about 7 people between 2020 and 2023, a 1.9% shift.

What to do before borrowing in Coal Creek

Complete these steps first when you borrow in Coal Creek (367 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Colorado regulator's licence list.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

The process is identical across Colorado; what changes is your credit file, not the fact that Coal Creek holds 367 people.

The Colorado lending rules that reach Coal Creek

Read the table as a lender's compliance picture for Coal Creek: the rule, the sourced figure, the publisher and the date.

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
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 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

Getting a loan in Coal Creek

At roughly 307 people per square mile, Coal Creek is lightly settled; 14 larger places lie within 50 miles. What is available to Coal Creek's 367 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Rockvale, CO about 1 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 Coal Creek 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 Coal Creek is the same as anywhere in Colorado.
What loan size can I expect in Coal Creek?
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 Coal Creek?
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 Coal Creek 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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