Personal loans in Naturita, CO

Naturita is a small community in Colorado, with an estimated 474 residents, and every licensed lender here follows the same state rulebook.

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

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Rate ceilings, licensing requirements and product limits for Naturita are all set at the Colorado level. Roughly 474 residents live in Naturita, the 198th-largest community in Colorado. For a community of about 474, the practical step is to compare APR across at least three lenders before committing. Census figures put the 2020-to-2023 decrease in Naturita at about 1.2%. Borrowers who want a bigger city can look to Nucla, CO about 3 miles away.

Borrowing in Naturita: the local picture

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

Population: 474 people, a figure that places Naturita 198th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: A drop of about 1.2% from 2020 to 2023.
Net change: roughly 6 fewer people than the 2020 Census counted.
Size percentile: roughly 27% of Colorado places rank below Naturita.
Population density: about 771 people per square mile (Census land area 0.6 sq mi).
By land area: Naturita ranks 193rd among Colorado's 270 places, at 0.6 sq mi.
Share of state population: Naturita's 474 residents are about 0.0% of Colorado.
National rank: Naturita is the 13,380th most populous of the 19,457 Census places covered here.
Growth rank: Naturita's 2020-to-2023 change ranks 154th of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Naturita moved 1.2%.
Density rank: Naturita is the 176th most densely settled place in Colorado.
Against the state median: Naturita runs about 771 residents per square mile, where the Colorado median is 1,126.
Location: it lies at 38.2183, -108.5666 in the Census Gazetteer.
Nearest larger cities: Nucla (3 mi); Norwood (16 mi); Dove Creek (36 mi); Olathe (42 mi); Montrose (42 mi). A branch is convenient; it is not what sets your APR.
Smaller places close by: Sawpit (34 mi); Rico (47 mi); Ophir (47 mi).
Smaller places within 50 miles: 3 of them.
At 100 miles: 32 larger Census places fall inside that radius.

Land, water and location for Naturita

Inside Naturita's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 771 people per square mile. The state's population centre of gravity, Denver, is roughly 225 miles away. Within 50 miles of Naturita there are 10 larger Census places. By land area it ranks 193rd of 270 Colorado places.

Lender access in Naturita

At roughly 771 people per square mile, Naturita is moderately settled; 10 larger places lie within 50 miles. What is available to Naturita's 474 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Nucla, CO about 3 miles away.

Colorado consumer-lending rules applied in Naturita

Read the table as a lender's compliance picture for Naturita: 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
Payday lending status	Permitted 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
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

Before you apply in Naturita

A sensible order of operations for a loan in Naturita, home to about 474 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Check the Colorado regulator's records to confirm the lender is licensed here.
Weigh a shorter term's higher payment against the interest it saves.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Naturita-specific: the same Colorado licensing and disclosure rules reach all 474 residents.

How Naturita compares across Colorado

Naturita is the 198th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 154th of 270 Colorado places, putting it near the 43th percentile for growth. Its roughly 771 residents per square mile place it 176th among Colorado's places. Within 50 miles sit 3 smaller Census places, alongside the 10 that are larger.

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Common questions

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

What loan size can I expect in Naturita?

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 Naturita?

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 Naturita 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

Nucla, CO — population 583
Norwood, CO — population 529
Dove Creek, CO — population 684
Sawpit, CO — population 35
Olathe, CO — population 1,962
Delta, CO — population 9,599
Dolores, CO — population 923
Montrose, CO — population 21,333