Personal loans in Del Norte, CO

For the 1,413 people in Del Norte, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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

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A personal loan in Del Norte is priced from your credit file and income, not from the fact that the city holds 1,413 people. At about 1,413 residents, Del Norte is larger than roughly 50% of the places in Colorado. A 2020-to-2023 comparison shows Del Norte down by about 2.9%. For a community of about 1,413, the practical step is to compare APR across at least three lenders before committing. For a bigger market, look to Monte Vista, CO about 13 miles away.

Where Del Norte stands

Read the local figures below as context; read the sourced Colorado table as the rulebook a lender here must follow.

Population: a Census-estimated 1,413, 134th among Colorado's 270 places (Vintage 2023).
Population trend: A drop of about 2.9% from 2020 to 2023.
Absolute change: 42 residents lost between 2020 and 2023.
Size percentile: about 50% of Colorado's Census places are smaller than Del Norte.
Density: the Census land area of 1.1 sq mi holds about 1,312 people per square mile.
Land area rank: Del Norte's 1.1 square miles rank 160th of 270 places in Colorado.
State population share: Del Norte accounts for about 0.0% of everyone in Colorado.
National rank: Del Norte sits 8,913th by population among the 19,457 places in this dataset.
Growth rank: Del Norte ranks 214th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Del Norte's 2.9% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Del Norte is the 103rd most densely settled place in Colorado.
Against the state median: Del Norte runs about 1,312 residents per square mile, where the Colorado median is 1,126.
Location: latitude 37.6780, longitude -106.3530 (Census Gazetteer).
Nearest larger cities: Monte Vista (13 mi); Center (14 mi); Alamosa (30 mi); Pagosa Springs (46 mi); Salida (62 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: South Fork (16 mi); Hooper (26 mi); Saguache (30 mi).
Within a 50-mile radius: 12 smaller Census places.
At 100 miles: 17 larger Census places fall inside that radius.

How Colorado law applies in Del Norte

These are Colorado's sourced lending facts as they reach Del Norte's 1,413 residents; the state has no city-level rate rule.

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

Del Norte in state context

Among Colorado's 270 places, Del Norte sits at 134th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 214th of 270 Colorado places, putting it near the 21th percentile for growth. At about 1,312 people per square mile, Del Norte is the 103rd most densely settled place in Colorado. Within 50 miles sit 12 smaller Census places, alongside the 4 that are larger.

The anatomy of a Del Norte personal loan

Most loans made to Del Norte's 1,413 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Del Norte loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Del Norte loan is knowable in advance — unlike a revolving card balance.

The geography behind Del Norte

Del Norte's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,312 people per square mile. The largest place in Colorado, Denver, lies about 164 miles away. Del Norte has 4 larger places within a 50-mile radius. Within the same 50 miles lie 12 smaller Census places.

What to do before borrowing in Del Norte

These steps shape the offer you get in Del Norte, a place of about 1,413 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Look the lender up in the Colorado regulator's licence records before you sign.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
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.

The process is identical across Colorado; what changes is your credit file, not the fact that Del Norte holds 1,413 people.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Del Norte?

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 Del Norte?

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 Del Norte 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

Monte Vista, CO — population 4,070
Center, CO — population 1,924
South Fork, CO — population 507
Saguache, CO — population 533
Hooper, CO — population 79
Alamosa, CO — population 9,883
Moffat, CO — population 107
La Jara, CO — population 716