Personal loans in Fraser, CO

Lenders active in Fraser report to a Colorado supervisor, identified in the sourced rows below. About 1,456 people live in Fraser, placing it 132nd of 270 Census places in Colorado.

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

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In Fraser, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. A 2020-to-2023 comparison shows Fraser up by about 4.3%. Verify the lender's Colorado licence against the regulator named below before borrowing in Fraser. Borrowers who want a bigger city can look to Granby, CO about 11 miles away.

Fraser by the numbers

Most of what governs a Fraser loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

Population: about 1,456, ranked 132nd of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: Up about 4.3% from the 2020 Census base to the 2023 estimate.
Net change: roughly 60 more people than the 2020 Census counted.
Size percentile: about 51% of Colorado's Census places are smaller than Fraser.
Density: roughly 421 residents per square mile, spread over 3.5 sq mi of land.
Land area: Fraser covers 3.5 square miles, the 92nd-largest area among Colorado's 270 places.
State share: roughly 0.0% of Colorado's residents live in Fraser (1,456 people).
National rank: Fraser is 8,795th of 19,457 places nationwide.
Growth in Colorado: Fraser stands 52nd by percentage change from 2020 to 2023, among 270 places.
Against the state trend: Fraser's 4.3% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Fraser ranks 222nd by people per square mile.
Density in context: Fraser's 421 people per square mile sit against a Colorado median of 1,126.
Location: 39.9233 / -105.8053, per the US Census Bureau Gazetteer.
Nearest larger cities: Granby (11 mi); Nederland (16 mi); Idaho Springs (20 mi); Silverthorne (24 mi); Frisco (28 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Winter Park (3 mi); Empire (13 mi); Georgetown (15 mi).
Smaller neighbours: 22 places smaller than Fraser sit within 50 miles.
Within 100 miles: 91 places are larger than Fraser.

How a Fraser personal loan is priced

Most loans made to Fraser's 1,456 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Fraser's rank of 132nd in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Fraser decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Fraser

At roughly 421 people per square mile, Fraser is lightly settled; 36 larger places lie within 50 miles. Distance to a branch rarely matters for Fraser's 1,456 residents: the application is online and the price follows your credit file. The nearest larger city, Granby, CO about 11 miles away.

Where Fraser sits in Colorado

Fraser is the 132nd-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Fraser stands 52nd among Colorado's 270 places — roughly the 81th percentile. By density, at about 421 people per square mile, it ranks 222nd in Colorado. By land area, its 3.5 square miles rank 92nd of 270 places in Colorado.

What Colorado law requires in Fraser

Below are the Colorado rules that apply to a loan made in Fraser, each with the regulator that issued it.

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

The geography behind Fraser

Inside Fraser's boundaries lie about 3.5 square miles of land, with no significant water area recorded. Spread across it are roughly 421 residents per square mile. The largest place in Colorado, Denver, lies about 50 miles away. A 50-mile radius around Fraser takes in 36 places that are larger. The 100-mile radius contains 91 larger places.

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Common questions

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

What loan size can I expect in Fraser?

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 Fraser?

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 Fraser 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

Winter Park, CO — population 1,149
Granby, CO — population 2,256
Empire, CO — population 327
Georgetown, CO — population 1,257
Silver Plume, CO — population 194
Nederland, CO — population 1,488
Central, CO — population 778
Ward, CO — population 126