Personal loans in Fleming, CO

The trend for Fleming between 2020 and 2023 is downward by roughly 1.6%. Roughly 422 residents live in Fleming, the 203rd-largest community 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.

In Fleming, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. Compare APR, not the interest rate, because the APR folds in most fees on a Fleming loan. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Fleming as from the rest of the state. The nearest larger metro is Haxtun, CO about 11 miles away.

Fleming: population, trend and location

Set out below is Fleming's local context next to the state-level rules that reach every lender here.

Borrowing reach in Fleming

Fleming is a moderately settled community of about 422 people, with 9 larger places inside a 50-mile radius. Whether Fleming has a local branch or not, a Colorado-licensed lender can serve its 422 people online on the same terms. The nearest bigger place is Haxtun, CO about 11 miles away.

Colorado rules behind a Fleming personal loan

The rows below set out what a licensed lender must follow in Colorado, and so for Fleming's roughly 422 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

The geography behind Fleming

Fleming covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 863 people per square mile. For the state's biggest city, Denver, the distance is roughly 125 miles. Fleming has 9 larger places within a 50-mile radius. The 100-mile radius contains 41 larger places.

Fleming's place among Colorado's 270 places

Among Colorado's 270 places, Fleming sits at 203rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Fleming stands 173rd among Colorado's 270 places — roughly the 36th percentile. By density, at about 863 people per square mile, it ranks 162nd in Colorado. Between 2020 and 2023 the count changed by roughly 7 residents.

Steps to take before a Fleming loan

A sensible order of operations for a loan in Fleming, home to about 422 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Colorado licence by checking the regulator named above.
  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.

In Fleming as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 422 residents.

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