Personal loans in Longmont, CO

Longmont is a mid-sized city in Colorado, with an estimated 98,630 residents, and every licensed lender here follows the same state rulebook. Longmont shed about 0.3% of its population between the 2020 base and the 2023 estimate.

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

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Roughly 98,630 residents live in Longmont, the 13th-largest community in Colorado. Price two or three terms so you can see which payment is truly affordable in Longmont. Lenders active in Longmont report to a Colorado supervisor, identified in the sourced rows below. The next larger city is Boulder, CO about 13 miles away.

The Longmont data picture

Two layers matter for a Longmont borrower: the local population picture and Colorado's consumer-lending statutes.

Population: 98,630 people, a figure that places Longmont 13th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Lower by roughly 0.3% since the 2020 count.
Change in people: the 2020-to-2023 comparison is a loss of about 275 residents.
Size percentile: bigger than about 95% of the places in Colorado, with 98,630 residents in Longmont.
Population density: about 3,370 people per square mile across 29.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area rank: Longmont's 29.3 square miles rank 17th of 270 places in Colorado.
Water area rank: Longmont ranks 3rd among Colorado's 270 places, with 2.03 sq mi.
Share of Colorado: Longmont holds about 2.2% of the state's population, some 98,630 people.
Nationally: Longmont is the 331st-largest of 19,457 Census places in the dataset.
Growth rank: Longmont's 2020-to-2023 change ranks 127th of 270 places in Colorado.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Longmont's 0.3%.
Density in Colorado: Longmont ranks 17th by people per square mile.
Density in context: Longmont's 3,370 people per square mile sit against a Colorado median of 1,126.
Location: it lies at 40.1682, -105.1005 in the Census Gazetteer.
Nearest larger cities: Boulder (13 mi); Thornton (19 mi); Westminster (20 mi); Arvada (23 mi); Greeley (24 mi). Lenders licensed in the state serve Longmont whether or not they keep a local branch.
Smaller communities within reach: Mead (7 mi); Frederick (8 mi); Firestone (8 mi).
Within a 50-mile radius: 68 smaller Census places.
Larger places within 100 miles: 11.

Longmont in state context

Against Colorado's other places, Longmont accounts for about 2.2% of the state's population and ranks 13th of 270 by size. On the 2020-to-2023 trend, Longmont stands 127th among Colorado's 270 places — roughly the 53th percentile. At about 3,370 people per square mile, Longmont is the 17th most densely settled place in Colorado. By land area, its 29.3 square miles rank 17th of 270 places in Colorado.

A practical checklist for Longmont borrowers

Complete these steps first when you borrow in Longmont (98,630 residents):

Start with the credit file: order the reports, fix the errors, then apply.
Use the loan calculator to test the payment on your intended amount and term.
Shop at least three lenders and judge them on APR and total cost.
Look the lender up in the Colorado regulator's licence records before you sign.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Colorado; what changes is your credit file, not the fact that Longmont holds 98,630 people.

Which Colorado laws govern a loan in Longmont

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

Rule	Detail	Source
State lending regulator	Colorado 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 licensing	Supervised 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

What is available to Longmont borrowers

At roughly 3,370 people per square mile, Longmont is fairly dense; 10 larger places lie within 50 miles. Distance to a branch rarely matters for Longmont's 98,630 residents: the application is online and the price follows your credit file. The nearest bigger place is Boulder, CO about 13 miles away.

Longmont: area, density and distance

Longmont covers about 29.3 square miles of land, with 2.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 3,370 residents per square mile. The state's population centre of gravity, Denver, is roughly 30 miles away. Longmont has 10 larger places within a 50-mile radius. By land area it ranks 17th of 270 Colorado places.

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Common questions

What are my options in Longmont 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 Longmont is the same as anywhere in Colorado.

What loan size can I expect in Longmont?

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 Longmont?

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 Longmont 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

Mead, CO — population 6,450
Frederick, CO — population 17,676
Erie, CO — population 35,269
Firestone, CO — population 18,589
Lafayette, CO — population 30,439
Lyons, CO — population 2,151
Berthoud, CO — population 13,238
Dacono, CO — population 6,595