Personal loans in Commerce City, CO

Commerce City is a mid-sized city of about 68,245 residents, and a personal loan taken out here is governed by Colorado statute. Commerce City is home to roughly 68,245 people and stands 18th by size out of 270 Census places in Colorado.

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

Compare loan offers Run the numbers first

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.

Population in Commerce City climbed about 9.3% over the three years from 2020 to 2023. A lender that serves Commerce City operates under Colorado lending statutes and a Colorado supervisor. Begin with the payment, then weigh APR and total interest across the lenders that reach Commerce City's 68,245 residents. The closest larger place is Thornton, CO about 8 miles away.

What the Census records for Commerce City

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

Commerce City against the rest of Colorado

Among Colorado's 270 places, Commerce City sits at 18th for population, a share of roughly 1.6% of the state. For population change between 2020 and 2023, Commerce City ranks 31st of 270 in Colorado (about the 89th percentile). By density, at about 1,867 people per square mile, it ranks 55th in Colorado. In land area, Commerce City ranks 10th among Colorado's 270 places.

A pre-application checklist for Commerce City

A sensible order of operations for a loan in Commerce City, home to about 68,245 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Colorado licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Commerce City-specific: the same Colorado licensing and disclosure rules reach all 68,245 residents.

Getting a loan in Commerce City

At roughly 1,867 people per square mile, Commerce City is moderately settled; 14 larger places lie within 50 miles. A Colorado licence lets a lender serve Commerce City without a local office, so branch density does not change what its 68,245 residents are offered. The nearest bigger place is Thornton, CO about 8 miles away.

The Colorado lending rules that reach Commerce City

For the roughly 68,245 residents of Commerce City, the rules below are Colorado's own; each row carries its publisher and retrieval 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
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
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

Commerce City: area, density and distance

Commerce City covers about 36.6 square miles of land, with 0.40 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,867 people per square mile. The state's population centre of gravity, Denver, is roughly 10 miles away. Counting outward 50 miles, 14 larger communities surround Commerce City. By land area it ranks 10th of 270 Colorado places.

Compare personal loan offers Run the numbers first

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 Commerce City 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 Commerce City is the same as anywhere in Colorado.
What loan size can I expect in Commerce City?
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 Commerce City?
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 Commerce City 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

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