Personal loans in Kersey, CO

Kersey is one of 270 Census places in Colorado; its 1,491 residents put it at 129th. Population in Kersey dropped about 0.9% over the three years from 2020 to 2023.

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.

Personal loans in Kersey are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,491 population. A lender that serves Kersey operates under Colorado lending statutes and a Colorado supervisor. Price two or three terms so you can see which payment is truly affordable in Kersey. A larger market lies at La Salle, CO about 7 miles away.

Local context for Kersey

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

Kersey's place among Colorado's 270 places

Within Colorado, Kersey holds roughly 0.0% of all residents, the 129th-largest share among 270 places. Its 2020-to-2023 change ranks 144th of 270 Colorado places, putting it near the 47th percentile for growth. By density, at about 630 people per square mile, it ranks 201st in Colorado. In land area, Kersey ranks 116th among Colorado's 270 places.

How a Kersey personal loan is priced

Kersey is a small community of about 1,491 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Kersey lender to disclose the APR and finance charge before you sign. The term you choose in Kersey decides the split between a comfortable payment and the total interest you pay.

Colorado rules behind a Kersey personal loan

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

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
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
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

A pre-application checklist for Kersey

For Kersey's roughly 1,491 residents, these are the steps that most influence the offer:

  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. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Colorado licence by checking the regulator named above.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Kersey and the rest of Colorado is not the process but the borrower's own file, among the 1,491 people here.

Kersey on the map

The Census Gazetteer records about 2.4 square miles of land within Kersey, with no significant water area listed. Spread across it are roughly 630 residents per square mile. The state's population centre of gravity, Denver, is roughly 47 miles away. Within 50 miles of Kersey there are 43 larger Census places. By land area it ranks 116th of 270 Colorado 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 Kersey 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 Kersey is the same as anywhere in Colorado.
What loan size can I expect in Kersey?
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 Kersey?
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 Kersey 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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