Personal loans in Georgetown, CO

An estimated 1,257 people make their home in Georgetown, a figure that ranks 138th in Colorado. Georgetown added about 12.3% to its population between the 2020 base and the 2023 estimate.

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.

Georgetown counts about 1,257 people, and what is genuinely local about borrowing here is limited — Colorado law does the governing. To lend to Georgetown's 1,257 residents, a company must hold a Colorado licence, and each sourced row below names the regulator behind it. Compare APR, not the interest rate, because the APR folds in most fees on a Georgetown loan. The nearest larger city is Idaho Springs, CO about 10 miles away.

Borrowing in Georgetown: the local picture

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

Population: 1,257 residents; Georgetown is the 138th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
Population trend: About 12.3% above the 2020 Census base.
Change in people: the 2020-to-2023 comparison is a gain of about 138 residents.
Size percentile: bigger than about 49% of the places in Colorado, with 1,257 residents in Georgetown.
Population density: 1,257 people per square mile on 1.0 square miles of land.
Land area: Georgetown covers 1.0 square miles, the 163rd-largest area among Colorado's 270 places.
Water area rank: Georgetown ranks 37th among Colorado's 270 places, with 0.10 sq mi.
State share: roughly 0.0% of Colorado's residents live in Georgetown (1,257 people).
National rank: Georgetown is the 9,369th most populous of the 19,457 Census places covered here.
Growth rank: Georgetown ranks 24th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Georgetown's 12.3% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Georgetown is the 114th most densely settled place in Colorado.
Density in context: Georgetown's 1,257 people per square mile sit against a Colorado median of 1,126.
Location: the Census Gazetteer records it at 39.7179, -105.6945.
Nearest larger cities: Idaho Springs (10 mi); Fraser (15 mi); Nederland (20 mi); Silverthorne (21 mi); Frisco (23 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Silver Plume (2 mi); Empire (3 mi); Central (11 mi).
Within a 50-mile radius: 21 smaller Census places.
At 100 miles: 95 larger Census places fall inside that radius.

A practical checklist for Georgetown borrowers

A sensible order of operations for a loan in Georgetown, home to about 1,257 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Collect three or more offers and compare them on APR, not on the advertised rate.
Verify the lender's Colorado licence with the regulator listed on this page.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Write down the purpose of the loan and your repayment plan before you apply.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Georgetown and the rest of Colorado is not the process but the borrower's own file, among the 1,257 people here.

The Colorado lending rules that reach Georgetown

These are Colorado's sourced lending facts as they reach Georgetown's 1,257 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

Lender access in Georgetown

Georgetown is a moderately settled community of about 1,257 people, with 44 larger places inside a 50-mile radius. What is available to Georgetown's 1,257 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Idaho Springs, CO about 10 miles away.

The geography behind Georgetown

Inside Georgetown's boundaries lie roughly 1.0 square miles of land and 0.10 square miles of water. Spread across it are roughly 1,257 residents per square mile. Denver, the largest place in Colorado, is about 43 miles from Georgetown. A 50-mile radius around Georgetown takes in 44 places that are larger. Within the same 50 miles lie 21 smaller Census places.

Georgetown in state context

Set beside Colorado's 270 places, Georgetown ranks 138th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 24th of 270 Colorado places, putting it near the 91th percentile for growth. By density, at about 1,257 people per square mile, it ranks 114th in Colorado. Within 50 miles sit 21 smaller Census places, alongside the 44 that are larger.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Georgetown?

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 Georgetown?

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 Georgetown 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

Silver Plume, CO — population 194
Empire, CO — population 327
Winter Park, CO — population 1,149
Idaho Springs, CO — population 1,708
Central, CO — population 778
Black Hawk, CO — population 128
Montezuma, CO — population 72
Fraser, CO — population 1,456