Personal loans in Limon, CO

Lenders active in Limon report to a Colorado supervisor, identified in the sourced rows below. Limon, Colorado — home to about 2,002 people — is a small community, so the terms you are offered follow Colorado law rather than any local rule.

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

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.

The Census estimates 2,002 residents in Limon, which ranks it 117th of 270 places in Colorado. Limon lost roughly 1.8% of its population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Limon. Borrowers who want a bigger city can look to Elizabeth, CO about 50 miles away.

Limon by the numbers

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

How personal loans work in Limon

In Limon, a small community of about 2,002, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Limon's rank of 117th 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 Limon decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Limon

Limon covers about 3.2 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). With 2,002 residents, the land area yields roughly 633 people per square mile. Denver, the largest place in Colorado, is about 72 miles from Limon. A 50-mile radius around Limon takes in 1 places that are larger. Within the same 50 miles lie 10 smaller Census places.

How Limon compares across Colorado

Set beside Colorado's 270 places, Limon ranks 117th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Limon stands 177th among Colorado's 270 places — roughly the 34th percentile. Its roughly 633 residents per square mile place it 200th among Colorado's places. The population moved by about 37 people between 2020 and 2023, a 1.8% shift.

What Colorado law requires in Limon

For the roughly 2,002 residents of Limon, the rules below are Colorado's own; each row carries its publisher and retrieval 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
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

Lender access in Limon

Limon is a moderately settled community of about 2,002 people, with 1 larger places inside a 50-mile radius. Whether Limon has a local branch or not, a Colorado-licensed lender can serve its 2,002 people online on the same terms. For a larger market, the closest option is Elizabeth, CO about 50 miles away.

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

Related