Personal loans in Gilcrest, CO

Two households in Gilcrest with comparable incomes can still be offered different rates; the city's 1,020 residents are not the reason. Census figures put the 2020-to-2023 decrease in Gilcrest at about 1.4%. If debt is already a strain, a nonprofit credit counsellor can help Gilcrest residents before they take on more. The closest larger city is Milliken, CO about 4 miles away.

Borrowing in Gilcrest: the local picture

Gilcrest is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 1,020 people live here, which puts Gilcrest 148th of 270 Census places in Colorado (Vintage 2023).
• Population trend: Lower by roughly 1.4% since the 2020 count.
• Net change: roughly 15 fewer people than the 2020 Census counted.
• Size percentile: Gilcrest sits ahead of around 45% of Colorado places, at 1,020 people.
• Density: roughly 1,258 residents per square mile, spread over 0.8 sq mi of land.
• By land area: Gilcrest ranks 179th among Colorado's 270 places, at 0.8 sq mi.
• Within Colorado: about 0.0% of the state's population lives in Gilcrest.
• National rank: Gilcrest sits 10,112th by population among the 19,457 places in this dataset.
• Growth in Colorado: Gilcrest stands 165th by percentage change from 2020 to 2023, among 270 places.
• State comparison: Colorado's places average +2.3% for 2020-to-2023, against Gilcrest's 1.4%.
• Density in Colorado: Gilcrest ranks 113th by people per square mile.
• Against the state median: Gilcrest runs about 1,258 residents per square mile, where the Colorado median is 1,126.
• Location: mapped by the US Census Bureau at 40.2842, -104.7820.
• Nearest larger cities: Milliken (4 mi); Evans (5 mi); Platteville (5 mi); La Salle (6 mi); Johnstown (7 mi). Living near a larger metro rarely changes what is available in Gilcrest.
• Smaller communities within reach: Garden City (9 mi); Nunn (30 mi); Jamestown (34 mi).
• Smaller neighbours: 9 places smaller than Gilcrest sit within 50 miles.
• Larger places within 100 miles: 88.

Getting a loan in Gilcrest

At roughly 1,258 people per square mile, Gilcrest is moderately settled; 58 larger places lie within 50 miles. What is available to Gilcrest's 1,020 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Milliken, CO about 4 miles away.

Where Gilcrest sits in Colorado

Against Colorado's other places, Gilcrest accounts for about 0.0% of the state's population and ranks 148th of 270 by size. On the 2020-to-2023 trend, Gilcrest stands 165th among Colorado's 270 places — roughly the 39th percentile. Its roughly 1,258 residents per square mile place it 113th among Colorado's places. The population moved by about 15 people between 2020 and 2023, a 1.4% shift.

The Gilcrest borrowing checklist

Before you apply in Gilcrest, a community of about 1,020, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Colorado licence with the regulator listed on this page.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Colorado; what changes is your credit file, not the fact that Gilcrest holds 1,020 people.

The geography behind Gilcrest

The Census Gazetteer records about 0.8 square miles of land within Gilcrest, with no significant water area listed. With 1,020 residents, the land area yields roughly 1,258 people per square mile. For the state's biggest city, Denver, the distance is roughly 36 miles. Within 50 miles of Gilcrest there are 58 larger Census places. The 100-mile radius contains 88 larger places.

What Colorado law requires in Gilcrest

The rows below set out what a licensed lender must follow in Colorado, and so for Gilcrest's roughly 1,020 residents.