Personal loans in Florence, CO

The next larger city is Cañon City, CO about 8 miles away. The 2020 count to the 2023 estimate shows about 0.9% growth in Florence. Every figure below is Colorado's own, applied to Florence's 3,862 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Florence loan.

Where Florence stands

Two layers matter for a Florence borrower: the local population picture and Colorado's consumer-lending statutes.

• Population: about 3,862, ranked 88th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
• Population trend: About 0.9% above the 2020 Census base.
• Absolute change: 33 residents added between 2020 and 2023.
• Size percentile: roughly 67% of Colorado's places have fewer residents than Florence's 3,862.
• Density: roughly 859 residents per square mile, spread over 4.5 sq mi of land.
• By land area: Florence ranks 80th among Colorado's 270 places, at 4.5 sq mi.
• Share of state population: Florence's 3,862 residents are about 0.1% of Colorado.
• Nationally: Florence is the 5,537th-largest of 19,457 Census places in the dataset.
• Growth rank: Florence's 2020-to-2023 change ranks 101st of 270 places in Colorado.
• State comparison: Colorado's places average +2.3% for 2020-to-2023, against Florence's 0.9%.
• Density rank: Florence places 165th among Colorado's places by people per square mile.
• Against the state median: Florence runs about 859 residents per square mile, where the Colorado median is 1,126.
• Location: 38.3796, -105.1002 (US Census Bureau Gazetteer).
• Nearest larger cities: Cañon City (8 mi); Pueblo (28 mi); Fountain (31 mi); Manitou Springs (35 mi); Colorado Springs (38 mi). Larger metros often have more branches, but online lenders reach Florence on the same terms.
• Nearest smaller places: Coal Creek (3 mi); Rockvale (4 mi); Williamsburg (4 mi).
• Smaller neighbours: 12 places smaller than Florence sit within 50 miles.
• At 100 miles: 31 larger Census places fall inside that radius.

How lenders reach Florence

Florence is moderately settled, with about 859 people per square mile and 8 larger places within 50 miles. Whether Florence has a local branch or not, a Colorado-licensed lender can serve its 3,862 people online on the same terms. The nearest bigger place is Cañon City, CO about 8 miles away.

How Florence compares across Colorado

Florence is the 88th-largest of 270 Census places in Colorado and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Florence stands 101st among Colorado's 270 places — roughly the 63th percentile. By density, at about 859 people per square mile, it ranks 165th in Colorado. By land area, its 4.5 square miles rank 80th of 270 places in Colorado.

How Colorado law applies in Florence

The rows below set out what a licensed lender must follow in Colorado, and so for Florence's roughly 3,862 residents.

Florence: area, density and distance

Florence covers about 4.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 859 people per square mile. The state's population centre of gravity, Denver, is roughly 96 miles away. Counting outward 50 miles, 8 larger communities surround Florence. Within the same 50 miles lie 12 smaller Census places.

Before you apply in Florence

For Florence's roughly 3,862 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Colorado licence with the regulator listed on this page.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

In Florence as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 3,862 residents.