Personal loans in Collbran, CO

Collbran, Colorado — home to about 366 people — is a small community, so the terms you are offered follow Colorado law rather than any local rule. At about 366 residents, Collbran is larger than roughly 23% of the places in Colorado.

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

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Collbran lost roughly 1.1% of its population across the 2020-to-2023 comparison. For the 366 people in Collbran, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Judge Collbran offers on total cost, not on how quickly the money arrives. A larger market lies at De Beque, CO about 14 miles away.

Collbran: population, trend and location

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Population: 366 people, a figure that places Collbran 209th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 1.1% between 2020 and 2023.
Absolute change: 4 residents lost between 2020 and 2023.
Size percentile: about 23% of Colorado's Census places are smaller than Collbran.
Population density: 656 people per square mile on 0.6 square miles of land.
Land area rank: Collbran's 0.6 square miles rank 202nd of 270 places in Colorado.
Share of state population: Collbran's 366 residents are about 0.0% of Colorado.
National standing: Collbran ranks 14,448th of 19,457 US places.
Growth rank: Collbran's 2020-to-2023 change ranks 150th of 270 places in Colorado.
Against the state trend: Collbran's 1.1% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Collbran ranks 194th by people per square mile.
Against the state median: Collbran runs about 656 residents per square mile, where the Colorado median is 1,126.
Location: 39.2400, -107.9635 (US Census Bureau Gazetteer).
Nearest larger cities: De Beque (14 mi); Parachute (15 mi); Palisade (23 mi); Rifle (23 mi); Cedaredge (24 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Marble (43 mi); Sawpit (86 mi); Red Cliff (87 mi).
Within a 50-mile radius: 1 smaller Census places.
At 100 miles: 45 larger Census places fall inside that radius.

Collbran against the rest of Colorado

Collbran is the 209th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Collbran stands 150th among Colorado's 270 places — roughly the 44th percentile. Its roughly 656 residents per square mile place it 194th among Colorado's places. By land area, its 0.6 square miles rank 202nd of 270 places in Colorado.

Land, water and location for Collbran

Collbran's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 656 people per square mile. Denver, the largest place in Colorado, is about 168 miles from Collbran. Collbran has 18 larger places within a 50-mile radius. Within the same 50 miles lie 1 smaller Census places.

A pre-application checklist for Collbran

Before you apply in Collbran, a community of about 366, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the Colorado regulator's licence list.
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.
Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Collbran-specific: the same Colorado licensing and disclosure rules reach all 366 residents.

What shapes a Collbran personal loan

Collbran is a small community of about 366 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Collbran. Shortening the term on a Collbran loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Colorado laws govern a loan in Collbran

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

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

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Common questions

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

What loan size can I expect in Collbran?

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 Collbran?

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 Collbran 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

Parachute, CO — population 1,365
De Beque, CO — population 477
Cedaredge, CO — population 2,410
Rifle, CO — population 10,563
Palisade, CO — population 2,602
Orchard City, CO — population 3,251
Silt, CO — population 3,697
Delta, CO — population 9,599