Personal loans in Foxfield, CO

Rate ceilings, licensing requirements and product limits for Foxfield are all set at the Colorado level. With 735 residents, Foxfield outranks about 37% of the communities in Colorado.

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

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Foxfield, Colorado — home to about 735 people — is a small community, so the terms you are offered follow Colorado law rather than any local rule. The trend for Foxfield between 2020 and 2023 is downward by roughly 2.8%. Price two or three terms so you can see which payment is truly affordable in Foxfield. Borrowers who want a bigger city can look to Centennial, CO about 4 miles away.

Foxfield by the numbers

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

Population: an estimated 735 residents, 170th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is negative, near 2.8%.
Absolute change: 21 residents lost between 2020 and 2023.
Size percentile: roughly 37% of Colorado's places have fewer residents than Foxfield's 735.
Density: the Census land area of 1.3 sq mi holds about 556 people per square mile.
By land area: Foxfield ranks 150th among Colorado's 270 places, at 1.3 sq mi.
State share: roughly 0.0% of Colorado's residents live in Foxfield (735 people).
Nationally: Foxfield is the 11,566th-largest of 19,457 Census places in the dataset.
Growth in Colorado: Foxfield stands 212th by percentage change from 2020 to 2023, among 270 places.
Against the state trend: Foxfield's 2.8% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Foxfield is the 207th most densely settled place in Colorado.
Against the state median: Foxfield runs about 556 residents per square mile, where the Colorado median is 1,126.
Location: latitude 39.5881, longitude -104.7857 (Census Gazetteer).
Nearest larger cities: Centennial (4 mi); Parker (6 mi); Lone Tree (6 mi); Greenwood Village (7 mi); Aurora (9 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller towns: Mountain View (19 mi); Lakeside (20 mi); Morrison (23 mi) — useful context for the surrounding area.
Within a 50-mile radius: 11 smaller Census places.
At 100 miles: 103 larger Census places fall inside that radius.

How lenders reach Foxfield

With about 556 residents per square mile, Foxfield is moderately settled, and 56 larger Census places sit within 50 miles. Distance to a branch rarely matters for Foxfield's 735 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Centennial, CO about 4 miles away.

What shapes a Foxfield personal loan

Most loans made to Foxfield's 735 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Foxfield can be quoted different APRs on the same amount and term. Shortening the term on a Foxfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Colorado law applies in Foxfield

These are Colorado's sourced lending facts as they reach Foxfield's 735 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

Foxfield in state context

Within Colorado, Foxfield holds roughly 0.0% of all residents, the 170th-largest share among 270 places. On the 2020-to-2023 trend, Foxfield stands 212th among Colorado's 270 places — roughly the 21th percentile. By density, at about 556 people per square mile, it ranks 207th in Colorado. Within 50 miles sit 11 smaller Census places, alongside the 56 that are larger.

Steps to take before a Foxfield loan

A sensible order of operations for a loan in Foxfield, home to about 735 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Model the payment on the calculator before a lender models it for you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Confirm the Colorado licence with the regulator named above before committing.
Keep the amount to the expense; an approval is not a reason to take more.
Be clear on what the loan is for and how it gets repaid.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Foxfield as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 735 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Foxfield?

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 Foxfield?

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 Foxfield 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

Centennial, CO — population 106,883
Parker, CO — population 62,743
Lone Tree, CO — population 14,063
Greenwood Village, CO — population 15,205
Aurora, CO — population 395,052
Castle Pines, CO — population 14,747
Cherry Hills Village, CO — population 6,273
Glendale, CO — population 4,447