Personal loans in Jamestown, CO

An estimated 245 people make their home in Jamestown, a figure that ranks 226th in Colorado. Jamestown shed about 4.3% of its population between the 2020 base and the 2023 estimate.

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.

Two households in Jamestown with comparable incomes can still be offered different rates; the city's 245 residents are not the reason. Lenders active in Jamestown report to a Colorado supervisor, identified in the sourced rows below. Price two or three terms so you can see which payment is truly affordable in Jamestown. Borrowers who want a bigger city can look to Lyons, CO about 10 miles away.

Local context for Jamestown

What follows is Jamestown's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

The Jamestown borrowing checklist

Before you hand your details to a lender in Jamestown, where the population is near 245:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Colorado regulator's licence list.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

In Jamestown as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 245 residents.

Borrowing reach in Jamestown

Jamestown is a lightly settled community of about 245 people, with 74 larger places inside a 50-mile radius. What is available to Jamestown's 245 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Lyons, CO about 10 miles away.

Jamestown on the map

Inside Jamestown's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 427 residents per square mile. The largest place in Colorado, Denver, lies about 37 miles away. Counting outward 50 miles, 74 larger communities surround Jamestown. By land area it ranks 197th of 270 Colorado places.

The Colorado lending rules that reach Jamestown

These are Colorado's sourced lending facts as they reach Jamestown's 245 residents; the state has no city-level rate rule.

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

How personal loans work in Jamestown

Jamestown is a small community of about 245 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Jamestown's rank of 226th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Jamestown decides the split between a comfortable payment and the total interest you pay.

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