Personal loans in Lyons, CO

Lyons is one of 270 Census places in Colorado; its 2,151 residents put it at 115th. Lyons is a small community of about 2,151 residents, and a personal loan taken out here is governed by Colorado statute.

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.

The 2020 count to the 2023 estimate shows about 2.8% decline in Lyons. Rate-shopping from Lyons costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Lyons's 2,151 residents. For a bigger market, look to Longmont, CO about 10 miles away.

Lyons: the sourced local profile

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

How Lyons compares across Colorado

Within Colorado, Lyons holds roughly 0.0% of all residents, the 115th-largest share among 270 places. Its 2020-to-2023 change ranks 213th of 270 Colorado places, putting it near the 21th percentile for growth. At about 1,577 people per square mile, Lyons is the 79th most densely settled place in Colorado. By land area, its 1.4 square miles rank 148th of 270 places in Colorado.

How lenders reach Lyons

At roughly 1,577 people per square mile, Lyons is moderately settled; 50 larger places lie within 50 miles. A Colorado licence lets a lender serve Lyons without a local office, so branch density does not change what its 2,151 residents are offered. For a larger market, the closest option is Longmont, CO about 10 miles away.

What shapes a Lyons personal loan

In Lyons, a small community of about 2,151, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Lyons can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Lyons loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Lyons loan

A sensible order of operations for a loan in Lyons, home to about 2,151 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Colorado licence with the regulator named above before committing.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Lyons as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 2,151 residents.

The Colorado lending rules that reach Lyons

These are Colorado's sourced lending facts as they reach Lyons's 2,151 residents; the state has no city-level rate rule.

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