Personal loans in Fowler, CO

At about 1,211 residents, Fowler is larger than roughly 47% of the places in Colorado. Fowler, Colorado — home to about 1,211 people — is a small community, 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.

Census figures put the 2020-to-2023 decrease in Fowler at about 3.6%. Read the disclosure for an origination fee and any prepayment penalty before signing in Fowler. Which products a lender may offer to Fowler's 1,211 residents follows from the Colorado consumer-lending framework. The next larger city is Rocky Ford, CO about 17 miles away.

Fowler: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Population: 1,211 people, a figure that places Fowler 143rd among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Lower by roughly 3.6% since the 2020 count.
People gained or lost: about 45 fewer since the 2020 base.
Size percentile: Fowler sits ahead of around 47% of Colorado places, at 1,211 people.
Land and density: 0.6 square miles of land carry roughly 2,166 residents per square mile.
Land area: Fowler covers 0.6 square miles, the 201st-largest area among Colorado's 270 places.
Share of state population: Fowler's 1,211 residents are about 0.0% of Colorado.
National rank: Fowler is the 9,508th most populous of the 19,457 Census places covered here.
Growth rank: Fowler ranks 229th among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Fowler's 3.6%.
Density in Colorado: Fowler ranks 42nd by people per square mile.
Density in context: Fowler's 2,166 people per square mile sit against a Colorado median of 1,126.
Location: latitude 38.1306, longitude -104.0261 (Census Gazetteer).
Nearest larger cities: Rocky Ford (17 mi); La Junta (28 mi); Pueblo (33 mi); Las Animas (44 mi); Fountain (52 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Olney Springs (5 mi); Manzanola (9 mi); Crowley (10 mi).
Within a 50-mile radius: 8 smaller Census places.
Larger places within 100 miles: 20.

Borrowing reach in Fowler

Fowler is fairly dense, with about 2,166 people per square mile and 4 larger places within 50 miles. Distance to a branch rarely matters for Fowler's 1,211 residents: the application is online and the price follows your credit file. The nearest larger city, Rocky Ford, CO about 17 miles away.

The geography behind Fowler

The Census Gazetteer records about 0.6 square miles of land within Fowler, with no significant water area listed. Spread across it are roughly 2,166 residents per square mile. Denver, the largest place in Colorado, is about 122 miles from Fowler. Fowler has 4 larger places within a 50-mile radius. The 100-mile radius contains 20 larger places.

A pre-application checklist for Fowler

Complete these steps first when you borrow in Fowler (1,211 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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.
Check the Colorado regulator's records to confirm the lender is licensed here.
Check the disclosure for fees that raise the true cost above the quoted rate.
Make sure the new payment leaves room in a budget you already keep.
Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Fowler-specific: the same Colorado licensing and disclosure rules reach all 1,211 residents.

What Colorado law requires in Fowler

The rows below set out what a licensed lender must follow in Colorado, and so for Fowler's roughly 1,211 residents.

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

Fowler's place among Colorado's 270 places

Set beside Colorado's 270 places, Fowler ranks 143rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Fowler ranks 229th of 270 in Colorado (about the 15th percentile). At about 2,166 people per square mile, Fowler is the 42nd most densely settled place in Colorado. The population moved by about 45 people between 2020 and 2023, a 3.6% shift.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Fowler?

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 Fowler?

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 Fowler 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

Olney Springs, CO — population 294
Manzanola, CO — population 330
Crowley, CO — population 159
Boone, CO — population 309
Ordway, CO — population 1,074
Rocky Ford, CO — population 3,819
Sugar City, CO — population 245
Swink, CO — population 589