Personal loans in Hotchkiss, CO

The first question in Hotchkiss is not the rate on offer but whether the payment fits; about 929 people live here under Colorado lending law. About 929 people live in Hotchkiss, placing it 154th of 270 Census places in Colorado.

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

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Population in Hotchkiss climbed about 5.4% over the three years from 2020 to 2023. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Hotchkiss's 929 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Hotchkiss's 929 residents. The closest larger place is Paonia, CO about 8 miles away.

What the Census records for Hotchkiss

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

Population: a Census-estimated 929, 154th among Colorado's 270 places (Vintage 2023).
Population trend: A gain of roughly 5.4% between 2020 and 2023.
Absolute change: 48 residents added between 2020 and 2023.
Size percentile: Hotchkiss sits ahead of around 43% of Colorado places, at 929 people.
Density: roughly 1,002 residents per square mile, spread over 0.9 sq mi of land.
By land area: Hotchkiss ranks 169th among Colorado's 270 places, at 0.9 sq mi.
Within Colorado: about 0.0% of the state's population lives in Hotchkiss.
National rank: Hotchkiss is 10,540th of 19,457 places nationwide.
Growth rank: Hotchkiss's 2020-to-2023 change ranks 46th of 270 places in Colorado.
Against the state trend: Hotchkiss's 5.4% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Hotchkiss is the 148th most densely settled place in Colorado.
Density vs Colorado: Hotchkiss's 1,002 people per square mile compare with a state median of 1,126.
Location: 38.7990 / -107.7134, per the US Census Bureau Gazetteer.
Nearest larger cities: Paonia (8 mi); Cedaredge (13 mi); Orchard City (14 mi); Olathe (20 mi); Delta (20 mi). Living near a larger metro rarely changes what is available in Hotchkiss.
Smaller places nearby: Crawford (9 mi); Collbran (33 mi); Marble (34 mi).
Within a 50-mile radius: 4 smaller Census places.
Larger places within 100 miles: 34.

What Colorado law requires in Hotchkiss

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

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

Hotchkiss's place among Colorado's 270 places

Among Colorado's 270 places, Hotchkiss sits at 154th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Hotchkiss ranks 46th of 270 in Colorado (about the 83th percentile). Its roughly 1,002 residents per square mile place it 148th among Colorado's places. Between 2020 and 2023 the count changed by roughly 48 residents.

How personal loans work in Hotchkiss

With roughly 929 residents, Hotchkiss is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Hotchkiss lender to disclose the APR and finance charge before you sign. The term you choose in Hotchkiss decides the split between a comfortable payment and the total interest you pay.

Hotchkiss on the map

Hotchkiss's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,002 people per square mile. For the state's biggest city, Denver, the distance is roughly 165 miles. Within 50 miles of Hotchkiss there are 13 larger Census places. Within the same 50 miles lie 4 smaller Census places.

A practical checklist for Hotchkiss borrowers

A sensible order of operations for a loan in Hotchkiss, home to about 929 people:

Start with the credit file: order the reports, fix the errors, then apply.
Model the payment on the calculator before a lender models it for you.
Line up several pre-qualified offers and let the APR decide.
Check the Colorado regulator's records to confirm the lender is licensed here.
Make sure the new payment leaves room in a budget you already keep.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.

In Hotchkiss as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 929 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Hotchkiss?

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 Hotchkiss?

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 Hotchkiss 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

Crawford, CO — population 407
Paonia, CO — population 1,459
Cedaredge, CO — population 2,410
Orchard City, CO — population 3,251
Olathe, CO — population 1,962
Montrose, CO — population 21,333
Delta, CO — population 9,599
Collbran, CO — population 366