Personal loans in Gunnison, CO

The first question in Gunnison is not the rate on offer but whether the payment fits; about 6,815 people live here under Colorado lending law.

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.

Decide the purpose of the loan and your repayment plan before sharing any details with a Gunnison lender. Gunnison ranks 67th of 270 places in Colorado, with a population near 6,815. A lender that serves Gunnison operates under Colorado lending statutes and a Colorado supervisor. Gunnison gained roughly 3.9% in population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Montrose, CO about 51 miles away.

The Gunnison data picture

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

Gunnison on the map

Inside Gunnison's boundaries lie about 4.8 square miles of land, with no significant water area recorded. With 6,815 residents, the land area yields roughly 1,405 people per square mile. For the state's biggest city, Denver, the distance is roughly 138 miles. A 50-mile radius around Gunnison takes in 0 places that are larger. The 100-mile radius contains 9 larger places.

Colorado consumer-lending rules applied in Gunnison

For the roughly 6,815 residents of Gunnison, the rules below are Colorado's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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

How personal loans work in Gunnison

A Gunnison personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,815 residents. The APR tracks your credit score rather than Gunnison's rank of 67th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Gunnison loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Gunnison against the rest of Colorado

Gunnison is the 67th-largest of 270 Census places in Colorado and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Gunnison stands 57th among Colorado's 270 places — roughly the 79th percentile. At about 1,405 people per square mile, Gunnison is the 94th most densely settled place in Colorado. By land area, its 4.8 square miles rank 78th of 270 places in Colorado.

What is available to Gunnison borrowers

Gunnison is moderately settled, with about 1,405 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Gunnison's 6,815 residents: the application is online and the price follows your credit file. The nearest larger city, Montrose, CO about 51 miles away.

Compare personal 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.

Common questions

What are my options in Gunnison 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 Gunnison is the same as anywhere in Colorado.
What loan size can I expect in Gunnison?
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 Gunnison?
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 Gunnison 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.

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