Personal loans in Lake City, CO

In Lake City, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. Population in Lake City dropped about 2.3% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Lake City's 425 residents are no exception. The nearest larger metro is Ouray, CO about 20 miles away.

What the Census records for Lake City

Most of what governs a Lake City loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

• Population: 425 — Lake City ranks 202nd of 270 communities in Colorado (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.3% from 2020 to 2023.
• People gained or lost: about 10 fewer since the 2020 base.
• Size percentile: roughly 25% of Colorado places rank below Lake City.
• Land and density: 0.8 square miles of land carry roughly 513 residents per square mile.
• By land area: Lake City ranks 178th among Colorado's 270 places, at 0.8 sq mi.
• Water area: Lake City has 0.01 square miles of water, ranking 88th of 270 places in Colorado.
• Share of state population: Lake City's 425 residents are about 0.0% of Colorado.
• National rank: Lake City is 13,830th of 19,457 places nationwide.
• Growth rank: Lake City ranks 196th among Colorado's 270 places for the 2020-to-2023 change.
• Against the state trend: Lake City's 2.3% change compares with a Colorado average of +2.3% across its 270 places.
• Density in Colorado: Lake City ranks 211th by people per square mile.
• Against the state median: Lake City runs about 513 residents per square mile, where the Colorado median is 1,126.
• Location: latitude 38.0216, longitude -107.3107 (Census Gazetteer).
• Nearest larger cities: Ouray (20 mi); Silverton (24 mi); Ridgway (26 mi); Telluride (28 mi); Mountain Village (30 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: City of Creede (24 mi); Ophir (31 mi); Sawpit (38 mi) — useful context for the surrounding area.
• Smaller neighbours: 5 places smaller than Lake City sit within 50 miles.
• Larger places within 100 miles: 48.

Lender access in Lake City

With about 513 residents per square mile, Lake City is moderately settled, and 8 larger Census places sit within 50 miles. What is available to Lake City's 425 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ouray, CO about 20 miles away.

Lake City against the rest of Colorado

Within Colorado, Lake City holds roughly 0.0% of all residents, the 202nd-largest share among 270 places. For population change between 2020 and 2023, Lake City ranks 196th of 270 in Colorado (about the 27th percentile). By density, at about 513 people per square mile, it ranks 211th in Colorado. In land area, Lake City ranks 178th among Colorado's 270 places.

Lake City on the map

Lake City's land area is about 0.8 square miles; a further 0.01 square miles is water. Spread across it are roughly 513 residents per square mile. For the state's biggest city, Denver, the distance is roughly 178 miles. Counting outward 50 miles, 8 larger communities surround Lake City. Within the same 50 miles lie 5 smaller Census places.

What shapes a Lake City personal loan

Lake City is a small community of about 425 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Lake City. The term you choose in Lake City decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Lake City

These are Colorado's sourced lending facts as they reach Lake City's 425 residents; the state has no city-level rate rule.