Personal loans in Hillrose, CO

The first question in Hillrose is not the rate on offer but whether the payment fits; about 309 people live here under Colorado lending law. By population, Hillrose sits at 217th in Colorado, with an estimated 309 residents.

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.

The nearest larger metro is Brush, CO about 8 miles away. The 2020 count to the 2023 estimate shows about 1.3% decline in Hillrose. To lend to Hillrose's 309 residents, a company must hold a Colorado licence, and each sourced row below names the regulator behind it. Verify the lender's Colorado licence against the regulator named below before borrowing in Hillrose.

Hillrose by the numbers

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

How Colorado law applies in Hillrose

This table holds the Colorado rate and licensing rules for consumer loans made to Hillrose's 309 residents.

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
Small-loan / installment lender licensingSupervised 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

What is available to Hillrose borrowers

Hillrose is a moderately settled community of about 309 people, with 9 larger places inside a 50-mile radius. Lenders licensed in Colorado reach Hillrose's 309 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Brush, CO about 8 miles away.

Hillrose against the rest of Colorado

Set beside Colorado's 270 places, Hillrose ranks 217th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Hillrose ranks 156th of 270 in Colorado (about the 42th percentile). At about 1,635 people per square mile, Hillrose is the 75th most densely settled place in Colorado. The population moved by about 4 people between 2020 and 2023, a 1.3% shift.

What a Hillrose borrower is actually offered

Most loans made to Hillrose's 309 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hillrose. The term you choose in Hillrose decides the split between a comfortable payment and the total interest you pay.

Where Hillrose sits

The Census Gazetteer records about 0.2 square miles of land within Hillrose, with no significant water area listed. Spread across it are roughly 1,635 residents per square mile. For the state's biggest city, Denver, the distance is roughly 82 miles. Within 50 miles of Hillrose there are 9 larger Census places. The 100-mile radius contains 101 larger places.

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 Hillrose 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 Hillrose is the same as anywhere in Colorado.
What loan size can I expect in Hillrose?
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 Hillrose?
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 Hillrose 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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