Personal loans in Cripple Creek, CO

Cripple Creek ranks 145th of 270 places in Colorado, with a population near 1,117. The 2020 count to the 2023 estimate shows about 3.3% decline in Cripple Creek.

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

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Personal loans in Cripple Creek are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,117 population. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Cripple Creek as from the rest of the state. Verify the lender's Colorado licence against the regulator named below before borrowing in Cripple Creek. For a bigger market, look to Manitou Springs, CO about 17 miles away.

Cripple Creek by the numbers

Most of what governs a Cripple Creek loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

Population: about 1,117, ranked 145th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: About 3.3% below the 2020 Census base.
Change in people: the 2020-to-2023 comparison is a loss of about 38 residents.
Size percentile: Cripple Creek's 1,117 people outrank roughly 46% of the places in Colorado.
Density: the Census land area of 1.5 sq mi holds about 734 people per square mile.
Land area rank: Cripple Creek's 1.5 square miles rank 140th of 270 places in Colorado.
State population share: Cripple Creek accounts for about 0.0% of everyone in Colorado.
National rank: Cripple Creek is the 9,798th most populous of the 19,457 Census places covered here.
Growth rank: Cripple Creek's 2020-to-2023 change ranks 221st of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Cripple Creek moved 3.3%.
Density in Colorado: Cripple Creek ranks 179th by people per square mile.
Against the state median: Cripple Creek runs about 734 residents per square mile, where the Colorado median is 1,126.
Location: mapped by the US Census Bureau at 38.7466, -105.1850.
Nearest larger cities: Manitou Springs (17 mi); Woodland Park (19 mi); CaÃ±on City (21 mi); Colorado Springs (24 mi); Florence (26 mi). Lenders licensed in the state serve Cripple Creek whether or not they keep a local branch.
Nearest smaller places: Victor (3 mi); Green Mountain Falls (16 mi); Brookside (23 mi).
Smaller places within 50 miles: 9 of them.
Within 100 miles: 77 places are larger than Cripple Creek.

What Colorado law requires in Cripple Creek

When Colorado does not publish a figure, the row links to the source instead of inventing a number; Cripple Creek is bound by the same rules.

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

What a Cripple Creek borrower is actually offered

In Cripple Creek, a small community of about 1,117, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Cripple Creek's rank of 145th 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 Cripple Creek decides the split between a comfortable payment and the total interest you pay.

How lenders reach Cripple Creek

At roughly 734 people per square mile, Cripple Creek is moderately settled; 11 larger places lie within 50 miles. Lenders licensed in Colorado reach Cripple Creek's 1,117 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Manitou Springs, CO about 17 miles away.

Cripple Creek against the rest of Colorado

Among Colorado's 270 places, Cripple Creek sits at 145th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Cripple Creek ranks 221st of 270 in Colorado (about the 18th percentile). Its roughly 734 residents per square mile place it 179th among Colorado's places. By land area, its 1.5 square miles rank 140th of 270 places in Colorado.

The Cripple Creek borrowing checklist

These steps shape the offer you get in Cripple Creek, a place of about 1,117 people:

Start with the credit file: order the reports, fix the errors, then apply.
Model the payment on the calculator before a lender models it for you.
Line up several pre-qualified offers and let the APR decide.
Confirm the lender holds a Colorado licence by checking the regulator named above.
Pick the shortest term whose payment you can comfortably afford.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Colorado; what changes is your credit file, not the fact that Cripple Creek holds 1,117 people.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Cripple 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 Cripple 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 Cripple 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.

Nearby places

Victor, CO — population 364
Green Mountain Falls, CO — population 609
Woodland Park, CO — population 7,873
Manitou Springs, CO — population 4,622
CaÃ±on City, CO — population 17,241
Brookside, CO — population 243
Williamsburg, CO — population 765
Florence, CO — population 3,862