Personal loans in Moffat, CO

By population, Moffat sits at 253rd in Colorado, with an estimated 107 residents. Moffat shed about 0.9% of its population between the 2020 base and the 2023 estimate.

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.

Moffat is a small community of about 107 residents, and a personal loan taken out here is governed by Colorado statute. Consumer lending that reaches Moffat's 107 residents is governed by Colorado statute; no city ordinance changes it. For a community of about 107, the practical step is to compare APR across at least three lenders before committing. The next larger city is Crestone, CO about 12 miles away.

Borrowing in Moffat: the local picture

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

Colorado consumer-lending rules applied in Moffat

This table holds the Colorado rate and licensing rules for consumer loans made to Moffat's 107 residents.

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

Moffat's place among Colorado's 270 places

Among Colorado's 270 places, Moffat sits at 253rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Moffat ranks 142nd of 270 in Colorado (about the 47th percentile). By density, at about 50 people per square mile, it ranks 268th in Colorado. Within 50 miles sit 1 smaller Census places, alongside the 17 that are larger.

How lenders reach Moffat

Moffat is sparsely settled, with about 50 people per square mile and 17 larger places within 50 miles. What is available to Moffat's 107 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Crestone, CO about 12 miles away.

Moffat on the map

Moffat covers about 2.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 107 residents, the land area yields roughly 50 people per square mile. The state's population centre of gravity, Denver, is roughly 133 miles away. Moffat has 17 larger places within a 50-mile radius. The 100-mile radius contains 58 larger places.

A pre-application checklist for Moffat

Complete these steps first when you borrow in Moffat (107 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Colorado regulator's licence list.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Moffat as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 107 residents.

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