Personal loans in Lakewood, CO

Verify the lender's Colorado licence against the regulator named below before borrowing in Lakewood. Lakewood's population held flat through the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Lakewood's 155,961 residents. The nearest larger city is Denver, CO about 13 miles away.

Lakewood: the sourced local profile

Set out below is Lakewood's local context next to the state-level rules that reach every lender here.

• Population: 155,961 — Lakewood ranks 5th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: roughly 98% of Colorado places rank below Lakewood.
• Population density: 3,587 people per square mile on 43.5 square miles of land.
• Land area rank: Lakewood's 43.5 square miles rank 7th of 270 places in Colorado.
• Water area rank: Lakewood ranks 9th among Colorado's 270 places, with 1.17 sq mi.
• State population share: Lakewood accounts for about 3.6% of everyone in Colorado.
• National rank: Lakewood is the 164th most populous of the 19,457 Census places covered here.
• Growth rank: Lakewood ranks 123rd among Colorado's 270 places for the 2020-to-2023 change.
• Against the state trend: Lakewood's 0.0% change compares with a Colorado average of +2.3% across its 270 places.
• Density in Colorado: Lakewood ranks 12th by people per square mile.
• Against the state median: Lakewood runs about 3,587 residents per square mile, where the Colorado median is 1,126.
• Location: latitude 39.6989, longitude -105.1176 (Census Gazetteer).
• Nearest larger cities: Denver (13 mi); Aurora (21 mi); Fort Collins (59 mi); Colorado Springs (61 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Edgewater (5 mi); Wheat Ridge (5 mi); Golden (6 mi).
• Within a 50-mile radius: 72 smaller Census places.
• At 100 miles: 4 larger Census places fall inside that radius.

How a Lakewood personal loan is priced

A Lakewood personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 155,961 residents. Because pricing is borrower-level, two people in Lakewood can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Lakewood loan is knowable in advance — unlike a revolving card balance.

Before you apply in Lakewood

Before you hand your details to a lender in Lakewood, where the population is near 155,961:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Colorado licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Colorado; what changes is your credit file, not the fact that Lakewood holds 155,961 people.

How lenders reach Lakewood

Lakewood is a fairly dense community of about 155,961 people, with 2 larger places inside a 50-mile radius. Whether Lakewood has a local branch or not, a Colorado-licensed lender can serve its 155,961 people online on the same terms. The nearest larger city, Denver, CO about 13 miles away.

How Colorado law applies in Lakewood

This table holds the Colorado rate and licensing rules for consumer loans made to Lakewood's 155,961 residents.

Lakewood's place among Colorado's 270 places

Lakewood is the 5th-largest of 270 Census places in Colorado and contains about 3.6% of the state's people. On the 2020-to-2023 trend, Lakewood stands 123rd among Colorado's 270 places — roughly the 54th percentile. Its roughly 3,587 residents per square mile place it 12th among Colorado's places. The population moved by about 12 people between 2020 and 2023, a 0.0% shift.