Personal loans in Holly, CO

At about 822 residents, Holly is larger than roughly 39% of the places in Colorado. Holly is a small community of about 822 residents, and a personal loan taken out here is governed by Colorado statute.

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

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Verify the lender's Colorado licence against the regulator named below before borrowing in Holly. For the 822 people in Holly, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. From the 2020 Census base to the 2023 estimate, the population declined by about 2.3%. The nearest larger metro is Syracuse, KS about 19 miles away.

Where Holly stands

Read the local figures below as context; read the sourced Colorado table as the rulebook a lender here must follow.

Population: 822 people, a figure that places Holly 164th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
Size percentile: about 39% of Colorado's Census places are smaller than Holly.
Population density: 1,126 people per square mile on 0.7 square miles of land.
By land area: Holly ranks 185th among Colorado's 270 places, at 0.7 sq mi.
Share of state population: Holly's 822 residents are about 0.0% of Colorado.
National standing: Holly ranks 11,067th of 19,457 US places.
Growth in Colorado: Holly stands 194th by percentage change from 2020 to 2023, among 270 places.
Versus Colorado: the state average change is +2.3%, while Holly moved 2.3%.
Density rank: Holly places 135th among Colorado's places by people per square mile.
Against the state median: Holly runs about 1,126 residents per square mile, where the Colorado median is 1,126.
Location: it lies at 38.0556, -102.1246 in the Census Gazetteer.
Nearest larger cities: Syracuse (19 mi); Lamar (27 mi); Johnson City (39 mi); Lakin (48 mi); Leoti (51 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller places: Coolidge (6 mi); Hartman (7 mi); Granada (10 mi).
Smaller places within 50 miles: 11 of them.
At 100 miles: 26 larger Census places fall inside that radius.

The geography behind Holly

Holly covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,126 people per square mile. The largest place in Colorado, Denver, lies about 189 miles away. Holly has 4 larger places within a 50-mile radius. The 100-mile radius contains 26 larger places.

A practical checklist for Holly borrowers

Before you apply in Holly, a community of about 822, work through these steps:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Colorado licence by checking the regulator named above.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.
Decide the purpose and how you will repay it before approaching any lender.

In Holly as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 822 residents.

What Colorado law requires in Holly

Read the table as a lender's compliance picture for Holly: the rule, the sourced figure, the publisher and the date.

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 anatomy of a Holly personal loan

A Holly personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 822 residents. Federal Truth in Lending rules require a Holly lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Holly loan is knowable in advance — unlike a revolving card balance.

Where Holly sits in Colorado

Set beside Colorado's 270 places, Holly ranks 164th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Holly ranks 194th of 270 in Colorado (about the 28th percentile). Its roughly 1,126 residents per square mile place it 135th among Colorado's places. Within 50 miles sit 11 smaller Census places, alongside the 4 that are larger.

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Common questions

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

What loan size can I expect in Holly?

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 Holly?

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 Holly 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

Coolidge, KS — population 79
Hartman, CO — population 54
Granada, CO — population 438
Syracuse, KS — population 1,767
Sheridan Lake, CO — population 54
Lamar, CO — population 7,525
Horace, KS — population 92
Tribune, KS — population 713