Personal loans in Evans, CO

Roughly 22,326 residents live in Evans, the 29th-largest community in Colorado. Evans, Colorado — home to about 22,326 people — is a smaller city, so the terms you are offered follow Colorado law rather than any local rule.

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.

The trend for Evans between 2020 and 2023 is upward by roughly 0.7%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Evans loan. Rate ceilings, licensing requirements and product limits for Evans are all set at the Colorado level. A larger market lies at Greeley, CO about 5 miles away.

Evans: population, trend and location

Here is the sourced Census picture for Evans, plus the Colorado lending rules that apply to a loan taken out here.

How Evans compares across Colorado

Within Colorado, Evans holds roughly 0.5% of all residents, the 29th-largest share among 270 places. On the 2020-to-2023 trend, Evans stands 106th among Colorado's 270 places — roughly the 61th percentile. At about 2,097 people per square mile, Evans is the 47th most densely settled place in Colorado. The population moved by about 150 people between 2020 and 2023, a 0.7% shift.

The Evans borrowing checklist

Before you apply in Evans, a community of about 22,326, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Colorado regulator's licence records before you sign.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Colorado; what changes is your credit file, not the fact that Evans holds 22,326 people.

How Colorado law applies in Evans

This table holds the Colorado rate and licensing rules for consumer loans made to Evans's 22,326 residents.

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
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
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

Land, water and location for Evans

The Census Gazetteer records 10.6 square miles of land and 0.35 square miles of water within Evans. The resulting density is about 2,097 people per square mile. Denver, the largest place in Colorado, is about 41 miles from Evans. Within 50 miles of Evans there are 19 larger Census places. The 100-mile radius contains 26 larger places.

What a Evans borrower is actually offered

Evans is a smaller city of about 22,326 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Evans 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 Evans loan is knowable in advance — unlike a revolving card balance.

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