Personal loans in Hot Sulphur Springs, CO

A lender serving Hot Sulphur Springs holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 662 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 Census estimates 662 residents in Hot Sulphur Springs, which ranks it 177th of 270 places in Colorado. From the 2020 Census base to the 2023 estimate, the population declined by about 3.4%. Price two or three terms so you can see which payment is truly affordable in Hot Sulphur Springs. The nearest larger metro is Granby, CO about 10 miles away. Every figure below is Colorado's own, applied to Hot Sulphur Springs's 662 residents, with the publisher and retrieval date attached.

Where Hot Sulphur Springs stands

Here is the sourced Census picture for Hot Sulphur Springs, plus the Colorado lending rules that apply to a loan taken out here.

The anatomy of a Hot Sulphur Springs personal loan

Most loans made to Hot Sulphur Springs's 662 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Hot Sulphur Springs loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Hot Sulphur Springs loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Hot Sulphur Springs in state context

Set beside Colorado's 270 places, Hot Sulphur Springs ranks 177th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 223rd of 270 Colorado places, putting it near the 17th percentile for growth. By density, at about 861 people per square mile, it ranks 164th in Colorado. Between 2020 and 2023 the count changed by roughly 23 residents.

What is available to Hot Sulphur Springs borrowers

Hot Sulphur Springs is a moderately settled community of about 662 people, with 22 larger places inside a 50-mile radius. What is available to Hot Sulphur Springs's 662 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Granby, CO about 10 miles away.

The state rulebook for Hot Sulphur Springs

When Colorado does not publish a figure, the row links to the source instead of inventing a number; Hot Sulphur Springs is bound by the same rules.

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

Where Hot Sulphur Springs sits

The Census Gazetteer records about 0.8 square miles of land within Hot Sulphur Springs, with no significant water area listed. The resulting density is about 861 people per square mile. Denver, the largest place in Colorado, is about 68 miles from Hot Sulphur Springs. A 50-mile radius around Hot Sulphur Springs takes in 22 places that are larger. Within the same 50 miles lie 10 smaller Census 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 Hot Sulphur Springs 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 Hot Sulphur Springs is the same as anywhere in Colorado.
What loan size can I expect in Hot Sulphur Springs?
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 Hot Sulphur Springs?
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 Hot Sulphur Springs 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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